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Ukraine Strikes Russian Energy Hubs with Missiles and Drones

A n artilleryman of the 44th Separate Artillery Brigade, named after Hetman Danylo Apostol, of the Armed Forces of Ukraine, carries a cartridge as he prepares to fire a M777 Howitzer towards Russian troops. On December 25, 2025 , Ukraine launched a coordinated assault on Russian energy infrastructure, deploying Storm Shadow cruise missiles alongside long-range drones . According to the Ukrainian General Staff, the strikes hit the Novoshakhtinsk oil refinery in Russia’s Rostov region, one of southern Russia’s largest suppliers of diesel and jet fuel for the military. Multiple explosions were reported, and the facility was forced offline. In addition to the refinery, Ukraine’s Security Service (SBU) confirmed drone attacks on facilities in Temryuk and Orenburg . Fuel tanks in Temryuk caught fire, while a gas processing plant in Orenburg was shut down, further disrupting Russia’s energy output. Ukrainian officials stated that these operations are designed to undermine Russia’s milit...
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How to Achieve Financial Wellness in 2024: Six Simple Steps

 

Financial wellness is more than just having enough money to pay the bills. It’s also about feeling confident, secure, and satisfied with your financial situation. Achieving financial wellness can improve your physical, mental, and emotional health, as well as your relationships and quality of life.

If you want to start 2024 on the right foot, here are six simple steps you can take to boost your financial wellness:

  • Set SMART goals: SMART stands for Specific, Measurable, Achievable, Relevant, and Time-bound. Having SMART goals can help you stay focused, motivated, and accountable. For example, instead of saying “I want to save more money”, say “I want to save $10,000 by December 2024 for a down payment on a house”.
  • Track your spending: Knowing where your money goes is essential for managing your finances effectively. You can use apps, spreadsheets, or journals to record your income and expenses. This will help you identify your spending patterns, habits, and areas for improvement.
  • Make a budget: A budget is a plan for how you will spend and save your money. It can help you align your spending with your goals and priorities. A budget can also help you avoid overspending, debt, and financial stress. You can use the 50/30/20 rule as a guideline: spend 50% of your income on needs, 30% on wants, and 20% on savings and debt repayment.
  • Build an emergency fund: An emergency fund is a savings account that you can use for unexpected expenses, such as medical bills, car repairs, or job loss. Having an emergency fund can help you avoid using credit cards or loans, which can worsen your financial situation. Aim to save at least three to six months’ worth of living expenses in your emergency fund.
  • Pay off high-interest debt: High-interest debt, such as credit cards, can eat up a large portion of your income and prevent you from saving and investing. Paying off high-interest debt can help you save money on interest, improve your credit score, and free up cash flow. You can use strategies such as the debt snowball or the debt avalanche to pay off your debt faster and more efficiently.
  • Invest for the future: Investing is a way of making your money work for you. It can help you grow your wealth, achieve your long-term goals, and secure your retirement. You can invest in various assets, such as stocks, bonds, mutual funds, or real estate. Before you invest, make sure you understand your risk tolerance, time horizon, and objectives. You can also consult a financial advisor or planner for guidance and advice.

By following these six steps, you can improve your financial wellness and enjoy a happier and healthier 2024. Remember, financial wellness is not a destination, but a journey. It requires consistent effort, discipline, and adaptation. Start today and reap the rewards tomorrow.

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