Setting goals for today and the future may not be easy, but getting your plan in order will get you where you want to go faster!
IDENTIFY YOUR GOALS!
WHAT? What do you want to accomplish (ex. pay off credit card, save for a home improvement, etc.)
WHEN? Set a specific start and end date for meeting you goal
WHERE? Where are you getting the money to meet your goals? Will it come from saving, cutting other expenses, investing, etc?
WHY? The most important question. Decide why your goal is important to you. Your "why" is what keeps you from spending $5.00 a day on a cup a coffee, instead of putting that money away.
BREAK DOWN YOUR GOALS
It may seem like a big goal, at first. Your goal will become much more manageable when you divide it into small, attainable steps.
Example- If you have a $2000 credit card that you want to pay off in 4 months. Break that down into smaller manageable chunks (about $500 per month) Then figure out how you can conquer that $500 per month. Will you bring lunch to work? Make coffee at home? Do some work for someone?
IMPLEMENT YOUR PLAN
Follow your action steps and track your progress. You might even find the act of crossing off these "to do's" an addictive process!
Go easy on yourself if you get side-tracked! All you need to do is review your goals and adjust them appropriately.
Remember there are often many routes to the same outcome!!!
Here is a website the I found very helpful for more financial inspiration!
The Federal Trade Commission lists 66 ways to Save Money