New Year, New Me
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You know what they say: “New year, new me.”

While it’s not the top of the year anymore, this is the perfect time to start improving your financial literacy—because it can help you reach all those goals you set for yourself at the beginning of the year! So let’s talk about the things that you can do to make your life better.

Before we start, let me introduce myself to you. I’m Tawonda Burks, owner and operator of ELOCINA. You may have read my story in a previous article in Rochester Women Magazine, as well, so I’ll save all the details and jump right to it. At ELOCINA, our focus is to provide consultation, education and financial literacy to aspiring entrepreneurs, small business owners and individuals. 

Since we’re all feeling like it’s a new year and new me, we should be reminded that this is a moment to reflect on the year that was and think about what went right, what went wrong, and what we can do to make things better in the future. And while it’s important to focus on the new year and all the great things that you hope to achieve by end-of-year, it’s also important to take stock of your finances.

How are your finances holding up? What are some things you could do to make them better?

Financial literacy means understanding how money works—and not just how to make it work for you but how to manage it, save it and invest it so that it can work for you over the long run. And the good news is that developing your financial literacy isn’t just about making more money—it’s also about making sure you keep more of what you earn!

Financial literacy is a key part of your journey to financial independence. When we’re financially literate, we’re less likely to make mistakes like excessive spending and debt. It also means knowing how to take advantage of tax benefits and other opportunities for saving money. 

So this new year, let’s focus on becoming financially literate. You’ll be glad you did! 

Tawonda Burks, ELOCINA 

To contact ELOCINA and learn about our services, please visit or email us at

About Author

Tawonda Burks

Tawonda serves as director of Rochester Area Economic Development, Inc. (RAEDI) and leader of ELOCINA. Her personal mission is to spread financial literacy, empowering individuals with knowledge to make informed economic decisions.

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