Ghani Ur Rehman ACCA-Member,APFA, CFAP-Qualified-ICAP, SOCPA AM’s Post

🎆 Happy New Year!🎆 As we step into 2025, I’ve been reflecting on the challenges we face—not just the ones that come our way but also those we actively seek out to grow and evolve. Today, I embraced a personal challenge by ending the year with an ice bath. ❄️ It was cold, uncomfortable, and an incredible reminder of how stepping out of our comfort zones is where true growth begins. A huge thanks to the amazing people at https://icekore.dk/ for creating such magnificent ice baths that made this experience unforgettable. Challenges—whether physical, professional, or personal—push us to rethink our limits and often lead to the greatest transformations. As we navigate the year ahead, let’s embrace challenges not as obstacles but as opportunities to learn, grow, and move forward. Here’s to 2025—a year of resilience, growth, and bold steps forward. Wishing you all a successful and rewarding year ahead!  🎊

As the year comes to a close, I’ve taken this time to celebrate with family, enjoy the holidays, and reflect on the journey so far. In the fast-paced world of credit and digital innovation, it’s easy to get caught up in the hustle without pausing to acknowledge your wins, your growth, and the lessons learned along the way. This reflection has reinforced 3 key principles for me: 1. Consistency in growth, even when the path isn't perfect 2. Resilience in navigating challenges 3. Gratitude for every achievement—big or small. As we step into the new year, let’s commit to these values. They are the foundation for meaningful progress and a fulfilling career. Here’s to a 2025 filled with intentionality, impact, and success. Wishing you all a Happy New Year filled with purpose and possibility!

"As we embark on a 🕛 new year, we're reminded that achieving true success requires accomplishing our goals🎯, one by one. Reaching🏃 these milestones will ultimately lead us to our desired destination🏁. As January approaches, we'll reflect on the past year with a mix of joy😇and sadness😔. Many of us will make New Year's resolutions, pledging to achieve short-term goals. However, we often falter due to lack of commitment or circumstances beyond our control, such as dwindling courage. To overcome these challenges, consider the following strategies: 1. Reflect on your accomplishments✅ from the past year; this will instill pride and boost confidence. 2. Set SMART goals: Specific, Measurable, Achievable, Relevant, and Time-bound⏳. By implementing these tactics, you'll cultivate a strong foundation for future growth. Remember, achieving🧗each goal requires dedication🧎and perseverance. Good luck for the new start!" ✨ #newyear #goals #achievments #dedication #newbeginnings #pride

👀 Another new year is upon us- you know what that means. It's the time to reflect and get clear on your intentions, on what you as an individual want for yourself in the new year. 📙 2024 is now behind us, so no time to dwell on the past. Pick yourself up if you aren't where you want to be and move forward. 👏 Make this year your biggest year yet- manifest the transformations you like to achieve in your life and make it happen. 🏆 First, start off by setting new goals for yourself, no matter how big or small, and celebrate ALL wins. Always be positive, think big and most importantly be consistent. 💥 Heres to thriving in 2025! Cheers to you and all your success- be an inspiration, make an impact and be proud!

A New Year: A Time for Reflection and Renewal Friends, colleagues, and loved ones, as we stand on the precipice of a new year, let us take a moment to reflect on the journey that has brought us to this point. 2023 has been a year of key events or themes of the past year: "growth," "challenges," "innovation," and "resilience". The past year has undoubtedly presented us with different challenges and obstacles faced. However, it has also gifted us with achievements or positive outcomes. These experiences, both triumphs and tribulations, have shaped us, strengthened us, and prepared us for what lies ahead. The dawn of a new year brings a unique sense of possibility. It's a time for renewal, to set new intentions, and to dream big. Let us use this opportunity to:  * Reflect On our accomplishments, our shortcomings, and the lessons learned.  * Renew: Our commitment to personal and professional growth.  * Reimagine: Our goals and aspirations for the year to come. As we embark on this new chapter, let us remember the importance of:  * Collaboration: Working together towards shared goals.  * Compassion: Supporting each other through challenges.  * Continuous Learning: Embracing new ideas and adapting to change. Let us raise a glass to the year that has passed and the exciting journey that awaits us. May the year 2025 be filled with joy, success, and meaningful connections. Happy New Year!

As we step into a new year, it’s the perfect time to pause, reflect, and embrace the exciting opportunities that lie ahead. The arrival of a new year brings with it a blank slate—a chance to reimagine our goals, reset our intentions, and start afresh with renewed energy. The beauty of a new year is that it offers endless possibilities. It’s a moment to shed the weight of past setbacks and mistakes and look forward with optimism and purpose. While we can't control everything that comes our way, we do have the power to decide how we respond and what we choose to focus on. This year, let's focus on the possibilities, not the limitations. Here’s how we can make the most of this new beginning: 1. Set Bold Goals – The new year invites us to dream bigger. Whether personal or professional, now is the time to set ambitious, meaningful goals that will drive you forward. 2. Embrace Change – Change can be daunting, but it’s often the key to growth. Be open to new experiences, whether it’s learning a new skill, switching careers, or trying something outside your comfort zone. 3. Make Time for Growth – Don’t just set goals; commit to growing. Personal development is an ongoing journey—this year, invest time in learning, evolving, and bettering yourself. 4. Cultivate Positivity – The power of a positive mindset cannot be underestimated. Embrace optimism, practice gratitude, and surround yourself with energy that uplifts and motivates. 5. Take Action – A new year means nothing without action. Take the first step toward your dreams today, and don’t wait for the "perfect" moment. The key is consistency and progress, no matter how small. As we welcome the new year, let’s remember that it's not just about making resolutions; it’s about creating opportunities, taking risks, and stepping into the future with confidence. The path ahead is full of promise—let’s make the most of it! Here’s to a year of growth, bold moves, and endless opportunities. Happy New Year! 🎉 #NewYearNewOpportunities #FreshStart #GrowthMindset #EmbraceChange #NewYearGoals

The beginning of a new year is often seen as a fresh start—a blank page upon which we can write the next chapter of our personal and professional lives. For those of us navigating the fast-paced world of work, this is the perfect time to reassess our goals, our purpose, and the value we bring to the table. As professionals, we are part of a generation that is defined by ambition, innovation, and adaptability. We are constantly striving to reach new heights, break barriers, and create lasting impact. But with this drive comes the reality that success doesn’t always follow a linear path. We face challenges, setbacks, and uncertainties, but each of these experiences is a lesson that shapes us into stronger, more resilient individuals. As we embark on 2025, let’s commit to making this year one of growth, both individually and collectively. Let’s set high expectations for ourselves, challenge the status quo, and continue striving to be the best versions of ourselves, both professionally and personally. Let this be the year when we take bold steps towards our dreams, no matter how big or small they may be. Let’s create a year filled with passion, purpose, and progress. And above all, let’s support one another along the way—because together, we can accomplish far more than we ever could alone. Happy New Year, and let’s make it a great one! Thank you.

The path may be winding, and the way forward might feel uncertain at times, but there’s beauty in the journey. Every turn and every mile offers opportunities to grow, reflect, and embrace what lies ahead. This year, let’s approach the road with resilience, gratitude, and optimism. Whether it’s personal goals, professional aspirations, or simply navigating life, remember that the light ahead is guiding us. Here’s to a bright, successful, and fulfilling year for us all! What’s one thing you’re looking forward to on your journey this year? #NewYear #MovingForward #GrowthJourney #Reflection

𝗪𝗿𝗮𝗽𝗽𝗶𝗻𝗴 𝗨𝗽 𝘁𝗵𝗲 𝗬𝗲𝗮𝗿: 𝗟𝗲𝘀𝘀𝗼𝗻𝘀 𝗟𝗲𝗮𝗿𝗻𝗲𝗱 𝗮𝗻𝗱 𝗚𝗼𝗮𝗹𝘀 𝗔𝗵𝗲𝗮𝗱 Every year leaves its mark. It’s a time to reflect on what went well, what could be improved, and how to grow from our experiences. Wrapping up the year isn’t just a ritual — it’s a powerful tool for personal and professional development. Key Questions to Reflect On: - What decisions brought me success? - Where could I have been more effective? - What lessons did I learn from challenges and changes? 𝗟𝗲𝘀𝘀𝗼𝗻𝘀 𝗮𝗻𝗱 𝗢𝗽𝗽𝗼𝗿𝘁𝘂𝗻𝗶𝘁𝗶𝗲𝘀 Every misstep is not a failure but a chance to grow. This year reminded us of the importance of staying flexible, embracing change, and continually learning. The world evolves faster than we can predict, and adapting is our strongest asset. 𝗟𝗼𝗼𝗸𝗶𝗻𝗴 𝗔𝗵𝗲𝗮𝗱 New goals aren’t just items on a checklist. They’re the driving force for progress. Plan with intention but remain open to life’s twists and turns. The key is to stay true to your values and vision. 2025 is on the horizon. Let’s make it a year of intentional 𝗰𝗵𝗼𝗶𝗰𝗲𝘀, 𝗰𝗼𝗻𝗳𝗶𝗱𝗲𝗻𝗰𝗲, and 𝗻𝗲𝘄 𝗼𝗽𝗽𝗼𝗿𝘁𝘂𝗻𝗶𝘁𝗶𝗲𝘀🚀 Have you reflected on your year yet? Share your biggest lessons in the comments!