There’s no rule that we have to make all our New Year’s resolutions on January 1! Infact, it’s never too early or too late to think about our goals for the year. Additionally, figuring out your yearly goals can be an ongoing process. So keep reading to learn what key goals everyone should have in place!

Setting goals for the year isn’t meant to lock you into a rigid mindset of success or failure. It’s simply meant to help you reflect on what you want out of life and create steps to achieve it over time.

That said, you can set yearly goals in any or every area of life. Here are 29 ideas for yearly goals for your finances, career, health, relationships, and personal development!

For your finances

Since this blog is all about finances, it makes sense to start with some yearly financial goal ideas! The best new goals for the year will depend on where you are in your financial journey, of course.

You might already have some of these money goals checked off the list!

However, it’s always good to see where you stand and update your goals if needed.

1. Build or replenish your emergency fund (One of the most important yearly goals)

An emergency fund is the perfect first financial goal to have because this is the savings that will allow you to live without a job or deal with other surprise expenses without going into debt.

The recommended amount for your emergency savings is to have 3 to 6 months of basic living expenses i.e. for food, housing, transportation, core utilities, etc. But if that seems overwhelming, I say you should work on saving your first $1,000 and build from there!

2. Create a monthly budget that ties into your yearly goals

Budgeting is also a foundational financial goal because this is what allows you to get a full picture of how much you’re making, how much you’re spending, and where there might be leaks in the ship.

There are a variety of different budgeting methods, so you should pick the one that appeals to you most. Try a percentage budget or a biweekly budget or monthly budget, depending on what dates you are paid.

3. Start a side gig for extra income

We could all use a little extra cash, whether to pay down debt, increase savings, achieve a financial goal, or retire earlier. No matter what it is, starting a side hustle can help you speed up your goal timeline.

Check out these ideas for how to make an extra $1,000 a month, like freelance writing and starting an online store. If you’re thinking more about starting your own business on the side, start learning how to start a side hustle.

4. Contribute more to your retirement accounts

There’s no rule that you have to wait until you’re 65 or older to retire. The sooner you start saving, the sooner you will have that coveted financial freedom within your grasp.

Haven’t started a retirement account yet? Here’s everything you need to know about how to start saving for retirement!

5. Try a no-spend challenge

Have you heard of a no spend challenge? It’s a period of time, usually a couple of weeks to a month, during which you eliminate all non-essential spending.

You’ll still pay for rent, gas, utilities, groceries, and other necessities, but this is a chance to identify bad money habits and find new (free) ways to entertain yourself.

In my opinion, it’s a fantastic and simple way to save money. You can start with a no-spend week and then work your way through an entire month without spending excess money.

6. Plan your financial goals

There are different kinds of financial goals. Some will be short-term, like saving for Christmas on a budget or vacations. And some will be mid term goals, like saving up a house down payment or paying off a car.

Others are your long-term goals—the big stuff like paying off a mortgage or reaching a certain net worth by a specific age. Resolve to outline your financial goals so you can start measuring your progress.

7. Cultivate good money habits

Like any other habit, good money choices take practice and repetition.

Prioritize saving, whether you’re just getting started or you’re flexing your saving muscles by increasing how much you put away each time. Stay diligent with debt management, paying it down, and avoiding future debts.

And, of course, drop those bad habits. Nothing will block the path toward your goals like persistent bad habits such as credit card debt or overspending.

To build your career

Since most people work 9 to 5, five days a week, it’s important that we enjoy what we do and set up career strategies and goals for the year. Here are some good goals to have and ideas!

8. Learn new professional skills (One of the most lucrative yearly goals to set)

Learning new things doesn’t end after graduating high school or college. It’s a lifelong process! Improving your current money making skills and adding a new skill or two to your arsenal keeps you engaged, passionate, and competitive in your field.

It prepares you for promotions and enables you to switch jobs more easily if your circumstances change.

As an example, here are some high-income skills to help bring in more of that money!

9. Apply for a promotion

Sometimes, promotions just fall into our laps. Other times, you have to be bold and ask for them! It might sound intimidating, but there’s a right way to go about it.

I recommend thinking about what value you’ll bring to the role, asking your manager or coworkers if they see areas for improvement, and letting the higher-ups know you’re interested and ambitious.

However, the conversation can be as simple as asking your boss what you need to do to get to the next level or asking for a raise.

10. Create (or update) your website and resume

So, if you don’t have a personal website yet, building one would be a great yearly goal. A website is your own professional “home” on the internet.

You can use it to introduce yourself, highlight projects you’ve worked on, write blog posts to demonstrate expertise on certain topics, let recruiters know how to contact you, and so on. Update your resume simultaneously (even if you have a job gap)!

11. Strive for a healthy work-life balance

Is “work less” really a valid career goal? Definitely! If you’re starting to feel burned out, your body and brain are telling you that what you’re doing is unsustainable.

When you spend all your time working, you’re taking priority away from other important areas of your life—because you only have 24 hours in the day.

Over time, burnout will start to affect your career performance, so it’s important to stop it in its tracks. Check out our article on why time and money are both valuable (and how to play the balancing act between them).

I’m very intentional about taking breaks when I’m working and I have specific times where I fully disconnect from work like on the weekends and when I’m on vacation.

12. Network in your industry

These days, you can’t just walk into an office with a resume, shake the manager’s hand, and walk out with a job. Submitting online applications doesn’t feel much better. No matter how great your cover letter skills are, it’s still hard to distinguish yourself from dozens (or hundreds) of competitors.

This is where the phrase “it’s not always what you know, but who you know” holds true. The more you use networking tips and meet people in the industry, the more connections you’ll have for career opportunities, referrals to new companies, professional mentorship, etc.

13. Invest in yourself as one of your yearly goals

You are your greatest asset, so you’re also your best investment. Pour into yourself so that you can pour into your future and help others.

Seek out education, either to deepen your expertise or broaden your perspective. Choose conferences, mentors, and projects that will boost your career (and earning potential!).

And don’t overlook the “softer” side of investing in yourself. Find a self-care routine that fits your personal needs and your budget. Prioritize your health and well-being.

Not only will this equip you to tackle your goals, but it will also save you time and money in the long run by preventing illness and burnout.

14. Have a job (or build a business) that meets your needs

Most of us work to earn money. So, you absolutely want your job to meet your financial needs and fund your financial goals.

There are many reasons women face salary problems that make it challenging to reach their goals. Course correct by seeking a promotion, negotiating a salary increase, or finding somewhere you’re valued better. Answer the question of how much money you want to make: is 100k a year good? 200k?

For many people, actually liking their job is also one of their basic needs. If you want to retire super young and are willing to grind through tough conditions in the short term in exchange for big bucks, that might be the right solution for you. But if you want a long, fulfilling career that also pays the bills, make it happen.

If you can’t find what you’re looking for in your current job or work environment, seek one that feels right. Or, if entrepreneurship is calling your name, start your own business from scratch.

For your health

You only get one body, so it’s important to take care of it and your mental health. Here are some good goals for the year.

15. Focus on fresh, clean eating

When life gets busy, eating habits are often one of the first things to falter. It’s so easy to swing by the drive-through on your way home and certainly not so easy to do a monthly meal plan, chop and prep ingredients, cook, and wash dishes.

But the food we eat does have a huge impact on our health and wellbeing, so even though it requires a little added time and thought, clean eating is a worthwhile goal.

A whole food plant-based diet works well for me; I love sites like BudgetBytes for quick, simple meal ideas I can whip up at home. Learn more about living a healthy lifestyle on a budget.

16. Spend more time in nature

The Japanese have a beautiful term—shinrin-yoku—meaning “forest bathing.” The concept is all about the many benefits we get from nature, both mental and physical. Forest bathing is as simple as wandering along a nature trail, breathing in the fresh air, and admiring your surroundings.

Time in nature lowers stress and lifts our moods. Check out the AllTrails or TrailLink websites to find hidden gems in your area!

17. Find an exercise routine you love

Ideally, you can combine this goal with the one above by finding ways to exercise in nature! You can go for a bicycle ride, jog on a nature path, do yoga in your backyard at sunrise, or take a fitness class in the park—the options are plentiful.

There’s nothing wrong with an indoor workout or hitting the gym, either. Of course, any kind of movement is amazing for our health, including managing anxiety and improving mood.

18. Practice good “sleep hygiene”

Sleep is another daily habit that drastically impacts our lives. According to the Sleep Doctor, skimping on sleep affects our energy, mental functioning, memory, and more.

According to the Sleep Foundation, sleep “hygiene” is a collection of behaviors and surroundings that help improve sleep.

Create a good routine that includes whatever helps you relax, whether that’s meditation, listening to a podcast or reading, or anything that brings you comfort. Tips include following a consistent nightly routine, turning off electronics 30-60 minutes before bed, and sleeping in a cool, dark, comfortable room.

To improve your relationships

There are few things more important than the people we share our lives with, so make sure to include them in your goals for the year.

19. Learn the love languages

The “five love languages”, discovered by Gary Chapman, aren’t an exact science, but they are a great way to start conversations with your loved ones about what makes them feel most loved and appreciated.

The main five are:

1. Words of affirmation
2. Quality time
3. Physical touch
4. Acts of service
5. Receiving gifts

Much relationship strife comes from simple relationship communication problems and not understanding what the other person needs. If your partner most values quality time, a cheap picnic in the park might mean more than a $1,000 necklace.

20. Practice positivity and gratitude (Essential yearly goals to establish)

Sometimes, we can get into the habit of taking the people in our lives for granted. They’re the ones you turn to when you need to vent about your problems and bad days…and while this is important, too much complaining can turn the relationship negative.

Whether it’s with your partner, your best friend, or a parent or child, make it a goal to regularly share why you’re grateful for them and always do your best to appreciate the little things.

21. Try new experiences together

Falling into a dull routine is another phase many relationships go through. Go to work, come home, make dinner, watch TV, sleep, repeat. Carve out time to mix things up a little by trying new activities!

It doesn’t have to be fancy, and you don’t have to leave your house. Check out these budget-friendly at home date ideas like a paint night or backyard campout. Involve the whole family in some of your ideas, too, with family night ideas.

22. Prioritize your friendships

As people age, their social circles can narrow, as everyone is busy with their families, jobs, and lives. Be intentional about not letting treasured friendships fade!

Your “circle of influence” impacts everything from your mood to your eating habits to your finances. Surround yourself with the right people and make an effort to see them, and you’ll reap the rewards.

I’ve found that one of the best ways to stay in touch with my friends is to make it a point to text or call them monthly. That way, we can catch up over the phone or make plans to meet for dinner or something later in the week.

23. Establish firm boundaries with yourself and others

Boundaries can be scary, but they’re necessary to accomplish your goals. Stay disciplined with yourself. 

Become your best advocate in every part of your life. Reflect on what you need and want. Once it’s clear to yourself, make it known to those around you.

For example, if your family, friends, or partner have different spending philosophies than you, but you know your goals, it’s easier to stand firm in your decisions. Learning to speak up for yourself on the job can improve how you feel about your work environment and might even move you closer to your career goals.

Keep your eye on your goals and know that healthy boundaries will get you there faster.

For your personal development

Lastly, here are some goals for the year to help make your life fulfilling and help you with figuring out who you really are.

24. Read a certain amount of books a year

Books hold an incredible wealth of knowledge, entertainment, and life advice. Depending on how quickly you read, make it a goal to read a certain amount of books per year.

For instance, try starting with one a month to see how it goes. You can choose fiction, nonfiction, or a combination! 

Check out our recommendations for financial literacy books, career, business, and personal development books.

25. Define your personal core values

When was the last time you sat down with yourself and thought about what’s actually important to you? This is your time to get a little existential.

What kind of person do you want to be? What traits do you admire in others? How will you cultivate those traits in yourself and practice them in the real world?

Grab a journal and start brainstorming. You can even use journal prompts for self discovery.

For example, you can jot down something like…

• Independence is important to me, so I want to get out of debt and learn more self-reliance skills.
• I value compassion, so I want to get involved with charities/animal shelters.
• I value adventure, so I want to make more time to travel and try new things.

Discovering and defining your personal core values can help you lead the life you want to live.

26. Outline your strengths and weaknesses

Along the same lines, make it a yearly goal to assess your own strengths and weaknesses.

For example, this can be professional skills, personal traits, or whatever else you want to self-evaluate. Start with what you’re good at.

Do you keep a cool head in a crisis? Do you have a natural affinity for numbers or words? How can you leverage those strengths in your life? Then, move on to self improvement ideas.

Are your communication skills a little lacking? Do you struggle with time management or self-discipline? Self-awareness is the first step to fixing a problem!

27. Limit social media & TV

Did you know that the average internet user spends 143 minutes daily on social media, according to Statista? That’s almost two and a half hours every day scrolling through posts and pictures you’ll barely even remember tomorrow!

However, TV is even worse, with the average American logging 168 minutes per day, claims Oberlo.

So, if you have issues with poor sleep or creativity, all that screen time is likely one of the causes, according to Harvard Medical School. Make it a goal to spend less time in front of screens this year!

Also, a social media detox can even be beneficial for your finances.

28. Start a new hobby

So, what will you do with all that extra time once you’re not spending it scrolling on your phone or plunked in front of the TV? Start a new hobby! Try out a whole bunch to see what makes you feel passionate and energized.

It could be an outdoor hobby like hiking or kayaking, an indoor hobby like baking or playing an instrument, or even a hobby that makes money like woodworking or photography.

29. Manage your time

Time is money, after all! Spend your time doing something productive or something you love. (It’s even better when the task ticks both boxes.)

Maximize any time spent on a side business to earn more in less time.

Focus on quality time with loved ones rather than keeping one eye on your inbox and one thumb scrolling on your phone. And yes, sometimes rest really is the most productive way to spend your time.

I’ve found that the main thing with time management is to make a plan and follow it.

For instance, plan out how many hours of your week will be free time and how many will be spent on reaching your goals.

Expert tip: Make your goals smaller for success

For my big yearly goals that I want to meet, it helps for me make them smaller. I break them down by month, by week, and, if necessary, by day and I’ve found this approach to be very effective.

To help yourself stay organized with tracking your goals, use a yearly calendar on your phone or a planner. Then you can break down your goals into smaller chunks throughout the year and achieve them slowly without overwhelming yourself. Be sure to track your progress. I like to pick a day of the week, like Sunday, to go over my progress.

How to set your goals

As you consider all of these goal ideas, you may wonder what is the best way to begin. Try these ideas to help you set and stick to your plans.

Create your goals in a logical way

As you map out your goals, there’s no perfect formula. You could use SMART goals (specific, measurable, achievable, relevant, and time-bound). Or you could set firm goals and work backward to determine how they will play out.

You could also focus on the big picture of how you imagine your life and then calculate what milestones will get you there.

Remind yourself why your goals matter

Without a very specific reason for completing your goals, you may lose motivation. To stay focused, I like to remind myself why my goals are so important.

For instance, if I want to save a six-month emergency fund, I need to define why that matters. Something like, “I’m saving a six-month emergency fund so I can have financial peace of mind and avoid living paycheck to paycheck.”

Come up with a sentence that explains your why and refer to it when you are losing focus.

What are some examples of 1 year goals?

Some 1 year goals are saving a specific amount of money, learning a language, or committing to a new fitness routine. There are lots of short-term goals like these to choose from.

When thinking about year-long goals, consider how much time you can devote to them, how much money they will cost, etc. Ensure you can complete them in that amount of time, or you may lose focus. And reward yourself along the way!

What are 3 main good goals to have?

When choosing 3 main goals, try choosing from 3 important categories, such as finances, family, and health.

Or, if you prefer, one for personal development, one related to your career, and one just for fun.

Once you’ve chosen your categories, choose a reasonable goal to complete in a fairly short time frame, such as 1 to 3 years.

For instance, save $10,000 in a year, pay off debt, hike 100 miles over the course of a year, get a new job, etc. Pick whatever makes sense for you and enjoy the process.

Are there any fun goals and what are they?

Yes, there are plenty of fun goals, and since you make your own goals, these are up to you! If you aren’t sure where to begin, I suggest considering your interests.

If you love reading fiction, make it a goal to read books from 5 authors that are new to you. Or, if you are interested in making a higher salary, complete a course that is fun and challenging for you to help further your career.

Some other ideas to consider are taking on a new hobby or saving up a vacation budget and traveling somewhere you’ve always wanted to go. The main point is to make a goal out of something you enjoy.

Articles related to goals

If you’re all ready to get started on your brand new goals now, read these posts next for more inspiration!

• Examples Of Financial Goals
• Financial Goal Setting For Success
• New Month New Goals: Ideas For Goals To Set Each Month
• How To Successfully Plan For The Year

Yearly goals are a great way to improve your life!

In practice, these yearly goal ideas will look different for everyone because we all have different lives, resources, and circumstances. Now, it’s up to you to figure out which goals for the year are most important to you and how you’ll achieve them!

However, setting financial goals should definitely be at the top of the list because getting your money right leads to wealth and success. Learn how to create the right financial goals with our completely free goal setting course!

The post 29 Yearly Goals Everyone Should Have! appeared first on Clever Girl Finance.

So many of us enjoy talking and dreaming about our goals, but achieving them is another issue. It’s exciting to think about the possibilities of what can happen when we accomplish new goals, but unfortunately, lots of us give up or don’t even get started. So in this article, I’m sharing 5 ways to achieve your goals: examples included. Remember that although achieving your goals is rarely easy, it’s totally worth it!

How to achieve your goals: 5 Key ways

These 5 ways to achieve your goals can apply to any part of life, including health, career, financial, and personal aspects. And in addition to strategies for financial goals and goal-setting , I’m also going to share some techniques for changing behavior or habits to help you make progress with your goals! Let’s get into it!

1. Set the right goals

The first of the 5 ways to achieve your goals is to focus on proper goal-setting. Too many of us set unreasonable goals, or we don’t have a plan for reaching them. Setting SMART goals is a top strategy for setting goals you can actually accomplish.

Use the SMART Goal method

In 1981, an article in Management Review coined the term S.M.A.R.T. goals. You’ve probably heard of them, and there have been a few variations of what the acronym should stand for. The guidelines are that your goals should be specific, measurable, attainable, relevant, and time-bound.

Here is how to use the SMART goal method to take action to reach your goals:

Make your goals specific

First of all, it helps to set very specific goals. Rather than something vague like “I want to start living a healthy lifestyle,” you need specific goals regarding what aspect of health you’re focusing on.

For example, say what healthy action you’ll take each day, such as riding your bike to work or drinking a certain amount of water.

Make your goals measurable

The “M” in SMART stands for measurable. (Other versions might use “meaningful” or “motivating,” but I prefer “measurable” because that’s been one of the keys for me in reaching my most audacious goals. 

If your goals aren’t measurable, how will you know if you’ve achieved them? You could continue reaching for something more, forgetting to celebrate yourself and your accomplishments. 

One of happiness guru Gretchen Rubin’s “Secrets of adulthood” is “You manage what you measure.” She also calls this the strategy of monitoring. I’ve found this to be quite accurate—if I decide my goal is to write 1,000 words a day, it’s easy to know when I’ve reached that goal. 

A measurable goal comes with clear numbers. Phrases like how much, how many, or how often may be applicable.

Make your goals attainable

Next, when designing your goals, it’s important to keep them attainable. That just means it’s within reach! Remember to be realistic about where you are in life. 

The key is to pick goals that challenge you but not so much as to be impossible. You can always set gradually more advanced goals, such as yearly goals, as you progress.

However, if you focus too much on a goal that feels light-years away, you might give up before you even get started.

My advice would be that it’s great to dream big, but when it comes to setting your goals that you can actively work towards now, try not to shoot too far.

In other words, if you’re a new college graduate, it’s great to dream of being a CEO or starting a business from scratch one day.

But it could take a few years, so you might start smaller, perhaps aiming to get your first promotion within one year.

Professional development goals, health goals, interpersonal goals, and other types can all benefit from focusing on what’s attainable. This isn’t to discourage you from aiming high but to ensure you’re close enough to your current goals to stay motivated.

Make your goals relevant

A fourth step in setting the right goals is to be sure your goals are relevant. They need to speak to you and be important to you.

It can be too easy, especially for women, to compare ourselves to others and center our goals around others’ needs and wants. 

If you don’t have a strong desire to accomplish something, there will come a day when you decide it’s not worth the effort. Giving up is too easy as it is—don’t make it harder by picking things you don’t care about.

For example, when setting financial goals, you have to dig deep and figure out what you truly want. Of course, getting out of debt is good for everyone. But what’s your “why?” What would becoming debt-free do for other parts of your life?

The same goes for achieving early retirement.  Retiring at 40 isn’t necessarily the goal for everyone.

If you pursue early retirement, you need strong motivation. Make that goal relevant by figuring out what you’ll do when you’re retired.

Will you volunteer at a homeless shelter? Travel the globe? Write a book? Clarify your goals to fit your personality.

Make your goals time-bound

A final step in the SMART goals framework is to give a time limit on your goals. Doing this simply offers healthy boundaries so you know how much effort you need to put in and for how long. Getting 30 minutes of cardiovascular activity every day for 30 days may be one example. 

Setting goals on different timelines is useful when making time-bound goals. By setting mid-term goals, for example, you can tackle different levels of accomplishment than with short-term or long-term goals.

It also goes hand in hand with the “attainable” part of SMART goals. Setting goals with different timelines can help you hone in on what’s attainable in certain periods of time. Another way to look at this is by setting benchmarks—smaller steps along the road to your ultimate goal. 

Don’t set too many goals

When utilizing these 5 ways to achieve your goals, remember to limit the number of goals you have! Along with using SMART as a guideline to help you set goals, you’ll improve your chances of success by limiting the number of goals you set.

Have you ever written a to-do list as long as your arm? That kind of pressure can be overwhelming, so it’s good not to set too many goals at once.

If you aim to lose 30 pounds, buy a house to rent out, plan your cousin’s wedding, and write and publish a book all in the same three-month period, guess what? You probably won’t get it all done.

Of course, we all fill many different roles every day. But if you want to know what’s slowing you down, one possibility is overzealous goal setting. You get frustrated and can’t focus enough to accomplish those goals. 

Like Dave Ramsey’s Baby Steps can break down financial goals, you can increase your odds of success by focusing on one or two big goals at a time.

Limiting how many objectives you focus on at a time can make it easier for you.

Focus on process goals instead of product goals

You can set the right goals by focusing more on “process” than “product.”

In other words, many of us might say, “I want to raise kids who become honest, hard-working adults.” That’s great—but it’s a product.

Could you break that down into “process” mini goals? Perhaps focus on their age now and the daily steps you could take to help them become the amazing adults you know they can be one day.

Process goals emphasize what you’re in control of right now. You can control your actions, but you can’t always control how your circumstances go. (For example, Don’t say you’ll lose 20 pounds. Instead, you can decide how much to exercise or set dietary preferences.) 

2. Keep track of your progress

Recording and tracking the progress we make toward our goals helps us get closer to achieving them. Often, we do better with things we write down, which is why it’s one of the top 5 ideas for achieving goals!

Write down your goals

Whether you write them in your private journal or on a sticky note you place above your desk, the act of writing down goals is useful. Writing them forces you to clarify your goals, and you can revisit them regularly to see how you’re doing.

When writing these goals, be sure to write them out in full. If possible, include all of the aspects of SMART goals.

State goals publicly

Many of us benefit from sharing our goals in public. It gives you some outer accountability. Even if the people you share it with won’t care, the very act of stating the goal to someone else can make it more real to you.

You could tell a group of friends about your fitness goals or discuss your financial goals with a family member.

Find an accountability partner

You might move closer to goals with an accountability partner. Maybe you pick one friend, and you text her every day to tell her your step count for the day. (Make sure she knows what your goal is!)

Share your goals on social media to achieve them more easily

Another strategy for achieving goals is to post them on your social media. You know you’ll get responses from friends or followers that might be encouraging. You don’t have to talk daily about these goals on Instagram, but posting your progress weekly or monthly could be helpful.

Monitor your progress

Monitoring your progress is essential when you’re setting goals. After all, if you don’t track what you’ve done, how will you know when you’ve achieved your goal?

This step is what we discussed earlier in the “measurable” part of SMART goal-setting.

Choose a method to monitor your progress and keep track of your efforts and the benchmarks as you pass them.

Monitoring your progress is important, whether saving for a family vacation, tracking spending through a budget, or keeping a list of all the money mindset books you read each year.

3. Stay focused on the goals you’ve set

Staying focused is next on our list of 5 ways to achieve your goals. A singular focus is important for any important goal or dream. Don’t let distractions or discouragement drive you away from achieving what you want to do. 

Keep learning through educational resources

Books, podcasts, newsletters, and other resources can help you stay focused. Anything that helps you learn more could propel you to persevere and achieve your goals.

If you really want to learn a musical instrument, you need to take lessons, practice, and think about that instrument—a lot. That education can help you maintain focus.

Make visual reminders as a way to achieve your goals

Having a goal means having a vision, right? You need to envision a different life, whether in terms of family, career, health, or something else. You might even want to try out vision board ideas.

Put visual reminders of your most important goals everywhere. You can stay motivated and focused when you see notes, artwork, or photographs that remind you of your goals.

Ask for help

Sometimes, we need others to remind us what we’re working for. Talk to your spouse about picking up extra slack with the kids, or ask a friend to remind you of your career goals when you get discouraged. 

For me, the goal of writing and publishing a novel meant I needed to find a critique group. Now, I trust the three fellow writers in my group to give me the feedback and encouragement I need. 

Talk to business mentors

When working towards a big career goal, a professional mentor can have a great impact. Talk to your business mentors when you start to veer off course. Ask them what strategies helped them reach the goals you’re hoping to achieve.

4. Create an environment for success

Environment plays a huge role in our success in building habits and achieving goals. Build your environment for success!

Make it easier to do tasks you want to do

James Clear, the author of the best-seller Atomic Habits, writes a lot about making your environment support your habits. Make it easier to change habits—there’s no prize for struggling. An example he gives is if you want to practice a musical instrument, place it in the middle of the living room.

For example, to save more money, automate your finances. Automation is awesome. It takes the decision out of your hands, so you only make that saving decision once, and it remains your daily routine until you cancel it.

Both of these examples make it easier for you to do something positive for yourself.

Make it harder to do things you want to avoid

The reverse is true: you can improve habits by making bad habits harder. Make them inconvenient or difficult, and you won’t do them as much. It can help you stay on the path to achieving your goals.

For instance, to save money, you can switch to an all-cash envelope system for a few months, and leave your credit cards at home. Not having credit cards with you makes spending inconvenient.

5. Plan for obstacles and failure

That’s right, I said you should plan for failure! We’re human, so we should expect some level of failure or major obstacles along the way. Here is how to use failure as a step to success so you won’t give up on yourself.

Decide how you’ll deal with setbacks

It’s almost guaranteed that your journey won’t be smooth sailing all the way.

Whether you’re hoping to achieve millionaire status, launch a business, find the best way to get out of debt, or any other goal, planning ahead for setbacks can help you succeed.

You can decide in advance what your response will be in certain situations.

For instance, if your goal is to make $500 fast and save it in a month, but you come up $200 short, don’t throw in the towel. Look at your budget and your earnings and make a game plan for how to save more next month. (Or, adjust the goal if necessary—there’s zero shame in that.)

What you don’t want to do is quit on yourself after your first setback. Mistakes and failures are part of life. 

Learn from failure

It is one of the hardest things to learn and one of the most valuable: failure is a great teacher. We all need to learn how to fail and deal with potential obstacles.

Failure is actually an important part of how you can become great. Thomas Edison famously said of his numerous attempts at inventions, “I have not failed. I’ve just found 10,000 ways that won’t work.”

By reframing the way you think about failure, you can start to see it as a tool you need to succeed. It’s a great way to achieve your goals, no matter how difficult they seem.

Expert tip: Don’t get discouraged

Goal-setting can be just as overwhelming as it is fun but you can break down your goals to be manageable. This means that whatever your goals are, you need to take the right path and one that works for you, to reach them. Get your life organized and focused so that you know the tasks to do to make step-by-step progress. 

Remember that the most worthwhile goals will likely include some frustration, but that doesn’t mean the end! You have to push through setbacks and trust the process, and you can achieve more than you think. 

Examples of ways to achieve your goals

As you consider some of the ways to implement your goals, take a look at these examples of 5 ways to achieve your goals from different areas of life. 

Lift weights three times a week for six months

Here’s an example of a fitness goal. It’s clear, measurable, and even time-bound. It focuses on your actions rather than an outcome you can’t control. 

Eat 9 fruit and vegetable servings daily

Another specific and measurable goal would be to eat nine fruits and vegetable servings every day. You can get more nitty-gritty if you like, but that’s a good general guideline to aim for if you don’t have enough produce in your diet. 

Send pitches to one potential client each weekday

If you’re building a business and need to find new clients, here’s a great goal for you. Decide to send a pitch to one new potential client every weekday (for a month or even indefinitely). It gets you in a habit that pushes you to grow your side hustle or full-time business.

Save $10,000 in one year

A financial goal like this one can help you reach other financial goals, like being able to buy a newer car. Figuring out how to save $10,000 in a year is something measurable and time-bound. Make it easier with an accountability buddy to stop you from making an impulse purchase when necessary.

Take your kids to the park twice a week 

Let’s shift gears to look at a family-oriented goal. If you have kids, might set the goal of taking your kids to a local playground twice a week. Again, it’s specific and reasonable (but if that’s not a reasonable goal, pick something that works for you). 

Work on your new side business for three hours weekly

If you’ve dreamed of starting your own business but can’t find the time, determine if there are a few hours when you could work on it. Don’t expect to make five figures immediately, but you can make real progress even with just three hours a week dedicated to your business. 

Read for 20 minutes a day

Here’s another goal that you might set to help you learn or relax. Making your goal attainable (20 minutes isn’t a huge amount of time) helps strengthen your commitment. Plus, you aren’t saying how many pages or books you’ll read because that can lead to frustration if you choose a difficult book. 

Spend a summer in Europe in five years

Maybe you’re like me and dream of spending long periods of time in Europe. I might put photos of the country I want to live in all over my home, computer, car, and phone. Making a vision board is a fun way to stay motivated as well. 

Pay off all credit card debt within two years

Many of us struggle with paying off credit card debt. Looking at what you owe and choosing a reasonable time period for paying it off can help you reach that milestone. 

Practice morning affirmations

Perhaps you’re dealing with a lack of self-confidence, and you’d like to improve that. A great way to improve self-talk is to try morning affirmations that remind you to believe in your abilities. 

What is stopping you from achieving your goals?

To determine what’s stopping you, start by thinking about the challenges you face every day. You might have trouble because of the following:

• People who doubt your potential
• Not enough hours in the day
• Low self-confidence (try these confidence building exercises!)
• Uncertainty on how to achieve your goals
• Financial limitations (read about breaking the cycle of poverty)

Millions of articles and thousands of self help books exist that can teach you the best ways to find success. You’ve likely heard a few of them, but if you’re serious about making progress for real, then try setting SMART goals and staying focused.

What is the first step towards achieving a goal?

Before you can achieve a goal, you need to identify your goal.

Personally, I know I won’t be able to figure out any of the next steps without first knowing what I want to achieve. And that opportunity to work towards a goal needs strong motivation. 

Thinking carefully about what you want to accomplish will help you determine the best ways. You don’t just miraculously save a huge down payment for a house without preparation. You need to identify that goal and then take steps to reach it.

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If you found these step-by-step instructions for winning with your goals helpful, check out these other posts!

• How To Set Goals For A Small Business In Order To Grow
• 6 Reasons Why Failure Is The First Step To Success
• New Month New Goals: Ideas For Goals To Set Each Month
• How To Be Smart About Money: 5 Ways

Leverage these tips and examples of how to achieve your goals!

The great thing about goals is that they can always keep evolving as you do. After all, we never really stop learning, so why wouldn’t our goals change along the way? Implement just a few ways to achieve your goals, and you’ll be unstoppable.

So, what are you waiting for? Take charge of what you really want, set yourself up for success, and start progressing toward your goals today!

The post 5 Ways to Achieve Your Goals With Examples To Motivate You appeared first on Clever Girl Finance.

Learning how to make a money vision board can be incredibly helpful for financial management. When it comes to goals, the adage rings true: “Out of sight, out of mind.” But if you take the time to create a vision board, you’ll constantly be reminded of your goals.

As cited in Verywell Mind, vision boards can improve success and mindfulness. For this reason, creating one can help us stay focused on working toward our financial goals.

What is a vision board?

A vision board is a collage of pictures and phrases that depict things you want to accomplish in your future. It’s a visual representation of your hopes and dreams. Its purpose is to serve as inspiration and motivation for working toward your goals.

Being able to see exactly what you want to accomplish gives you something to work toward, rather than just letters on a page. After all, even though there’s still value in writing your money goals down, seeing is believing!

I personally create a money specific vision board every year to keep me focused on the money goals I want to accomplish.

Why is a money vision board a good idea?

If we think about it, most goals are connected to our finances in some way. Our dream house, car, and vacation will require money. Having a money vision board can help us stay focused on attaining those things.

A money vision board is a great idea because it’s designed to visualize your intentions for money. Whether it’s how to save money, paying off credit card debt fast, or increasing your income, your ideas can be put into visual form.

Financial vision boards often utilize charts (such as a savings goal thermometer) to track progress. So if your vision is to become debt-free, you may include a debt payoff tracker on your financial vision board.

When it comes to saving money, I love coloring in my savings thermometer as I cross each savings milestone that I’ve set for myself. Just seeing this visualize reminds me of the progress I’m making.

Using a vision board to achieve your money goals

Using a vision board for your financial goals is no different from any other goal. The whole point is to create a physical representation of what you want to accomplish. If you’ve had a hard time handling money in the past, perhaps this fun exercise will help keep you motivated.

Plus, building a board for your money can easily be integrated into your financial planning process. As you develop a plan, simply create a board to go with it.

For example, you can think of it as the final seal on your list of money intentions. Here are some steps that I personally use and find helpful. You can leverage them to bring your vision board ideas to life:

1. Decide on a physical or digital vision board

There are several different ways to make a vision board.

For example, you can go the old-school route by cutting out words and images from old magazines, this is my format of choice. Or you can make a digital one using an online graphics tool, like Canva. Both options are free and/or very affordable, so it just depends on your personal preference.

Here’s what you’ll need to create a physical vision board:

• Poster board or cork board: Though most vision boards are pictures glued to a poster board, you can also use a cork board and tack images instead.
  
• Old magazines: You’ll use magazines to find pictures, phrases, and other visual inspirations that represent your goals. They’ll need to be old because you’ll be cutting things out. You may be able to grab old editions of magazines from your local library or convenience store for free or at a reduced price.
  
• Your affirmations or inspiring quotes: These are words, phrases, and sentences that inspire, motivate, and help you focus on what you can achieve.
  
• Images from online: If you can’t find old magazines, you can always find inspiration online. You can print out images that you find suitable.
  
• Glue or tacks: You’ll need to glue or tack your pictures to your poster or corkboard. I recommend a glue stick if you’re using glue.
  
• Scissors: You will cut out images to add to your board, so have a pair of scissors handy.

Here’s what you’ll need to create a digital vision board:

• Powerpoint, Keynote, your Notes app, or a graphics app like Canva
• Digital images
• Affirmations or inspiring quotes

2. Write down your financial intentions before you start

Your intentions will be your foundation. So, the second step in figuring out how to make a vision board is to write down your goals.

These goals should be very clear so that you know exactly what you’re trying to accomplish and how you’ll accomplish it. One way to do this is by using the SMART goals method.

This goal-development method teaches you to create specific, measurable, attainable, realistic, and timely goals. When you have SMART goals, you can easily see what you’re working toward.

For example, my financial goal may be to “save $10,000 for emergencies by Dec 31, 202X.” This goal is very specific; its success can be measured; it is realistic for me, and it has a timeframe.

Since this goal has a very clear description, finding a suitable visual representation will be easy.

No matter what your financial objectives are, it’s important to clearly define them and write them down on paper before you start getting creative and building your money vision board.

3. Consider including charts and graphs

Whether creating a digital or a physical vision board, you want to choose pictures and words that motivate and inspire you.

But don’t forget about numbers! Including charts and graphs alongside the visual elements on your vision board can help make it even more specific to your goals.

Now, when you’re putting together a financial vision board, you may also include money savings charts. Money savings charts are charts that help you with tracking savings for specific goals.

For instance, if one of your intentions is to pay off debt, you could include a debt payoff coloring chart that tracks your progress. Every time you make a payment, mark it on your debt payoff chart—and watch your vision board become your reality!

These charts come is several different styles and formats. You can even design your own. My favorite money chart is the thermometer format.

4. Place your vision board somewhere you can see it every day

The point of creating a vision board is to have visual inspiration for the goals that we’re trying to accomplish.

That said, your board needs to be in your vision literally. In other words, you have to put it somewhere you’ll see it every day!

So think: What place do you most frequent in your home? That’s exactly where your vision board should be.

Put your board in a place where you can see it every day. That way, it’ll serve as a daily reminder to continue working toward your vision.

Consider places like your bedroom, office, or even your refrigerator door. You can even take a photo and make it the screensaver on your mobile phone or computer desktop. I have mine as my phone screensaver and also in my home office.

Additionally, now that you’ve created your vision board, take a moment to review it. Is there anything that you want to add? Do you feel motivated?

If you haven’t already, add phrases and money affirmations that align with your goals.

5. Stay motivated by hosting a vision board party

We all know that there’s a lot of temptation to spend and, thus, a lot of temptation to stray from our money intentions.

So, to help yourself stay motivated and on track, consider hosting a party.

Gather friends together who are also focused on improving their personal finances. You can spend the day together outlining your goals, cutting out pictures, and creating your vision boards. Then, you can check in with each other monthly to follow up on your progress.

Believe it or not, this sense of accountability can go a long way in helping you achieve your goals. As Forbes explains, “…accountability groups can positively impact task performance and academic performance.”

6. Track your progress with a money journal

Creating a board for money goals is a great way to get inspired and energized to start working towards your long-term financial goals. But over time, it’s easy to lose some of this initial momentum.

One way to help yourself stay on track with your personal finances is to start a money journaling habit.

Money journaling is more than just writing down what you spend and save each month. It’s also a place to take notes on how you feel about your spending and saving, your thoughts on your finances, and your observations on your goal-tracking.

Don’t think journaling is worth the extra step? One study discovered that those who write their goals are 42% more likely to actually accomplish them.

7. Edit as you go

Another way to track your progress toward your financial goals is to edit your money vision board.

We already talked about adding money savings charts. But if you’re not a facts-and-figures person, there’s still another way you can track your progress visually on your board.

For example, suppose you’ve added three goals: 1) Pay off credit card debt; 2) Start emergency fund; 3) Open retirement account.

Every time you meet a goal, you can draw a big green checkmark next to it. For one, drawing this checkmark will probably feel satisfying. (You know that feeling of crossing an item off your to-do list?)

Plus, it’ll be another visual reminder that you are making progress on your goals—which will give you more motivation to keep going.

8. Consider creating multiple vision boards

If you have a lot of different financial goals, making more than one vision board may make sense.

Here are a few different ideas:

For example, suppose one of your goals is to save up for a down payment to become a first time homebuyer. That could be the subject of one board, where you’ll include pictures of your dream house and inspiring quotes about homeownership.

At the same time, you might have another financial goal to spend less each month by adopting minimalism. On this vision board, you can focus on minimalism.

Write down minimalist quotes to remind yourself that less is more, and you don’t need to buy that new dress this month. You can also include a chart where you list all the things you wanted to buy but didn’t to congratulate yourself on your willpower—and keep up the good work!

Vision board ideas

If you are still stumped on what to include in your vision board, you can always find inspiration on sites like Pinterest. Doing a quick Google search will also lend some examples as well. Remember that your vision board is unique to you, so only use them as inspiration.

Travel example

Here is an example of a financial vision board I created several years ago. At the time I was on my debt-free journey. I also wanted to save money, overcome budget challenges, and budget effectively so that I could travel the world.

As you can see, I included phrases like “saving money,” “debt-free,” and “budget” on my money vision board as a reminder of what I was working toward. I also included flags and cutouts of different countries I wanted to visit once debt-free.

If you have a keen eye, you’ll notice that debt-free is crossed out and that there’s a checkmark beside the word budget. There’s also a year under the flag for the United Kingdom. That is because I was able to actually accomplish these things!

After getting on a budget, I could pay off debt, save money, and travel abroad. There are still several flags and countries that don’t have a year below them, which means it’s still something that I’m working toward.

Though this board is several years old, I still keep it nearby as a reminder of the things that I still want to accomplish financially.

Debt-free & savings example

If your goal is to become debt-free, here is a debt-free vision board example. As you can see, this board includes images of someone cutting up a credit card and a savings goal of 26%. This is a very vivid representation of their financial goals.

First home example

Need some inspiration for buying a house for the first time or even your dream house? Here’s my latest board that includes images of home elements I plan to have.

The board also includes images and a phrase related to money. That’s because I’ll need to have money saved and a plan of action to achieve this new financial goal.

Investing & early retirement example

Are you interested in retiring early? Check out this simple vision board.

Investing and retiring early often go hand in hand. That’s because if you can invest strategically, you can withdraw from your investments to retire early. Learn more about what it means to achieve early retirement.

As a reminder, these examples are all meant to inspire you. Find what motivates and inspires you when creating your board.

Expert tip: Keep a positive money mindset

It’s clear that building a vision board can play a big part in helping motivate us to work towards our money goals. But don’t forget to approach it with the right financial mindset.

After all, learning how to create a mindset of financial abundance can help you realize your dreams.
Whether you want to save a certain amount of money, retire early, buy a house, etc., a mindset of financial abundance helps you remember that the goals on your vision board are achievable—and that with the right planning and action, you can make them come true.

How do you format a vision board?

There are several different ways to format a vision board, but the first step is to always clearly define and set your short and long-term goals.

You can do this digitally, with a Word document, a spreadsheet, or just your Notes app. Or you can go old-school and just start writing on a blank piece of paper with a pen. You can even get creative and color-code your money intentions with a marker.

After you know what your goals are, find images and words that align with them, and add them creatively to your board. It’s all about creating something that’s to your liking visually so that when you look at it you feel inspired and motivated. So tap into your inner artist!

You can also find great vision board photos and examples on sites like Pinterest or watch YouTube videos on how you can create a vision board.

What questions should you ask yourself when creating a financial vision board?

Creating a financial vision board isn’t just about cutting out pictures of things you want to buy. Instead, you need to take the time to sit down and really assess your personal finances and your goals.

You can ask yourself questions as they related to your financial goals. For example, ask yourself:

• Do I have debt I want to pay off? How quickly do I want to pay it off?
• Do I want to build an emergency fund? How much do I need to save?
• I want to save for my children’s college education with a 529 plan; What would that cost?
• Am I saving enough for retirement? How do I bridge any gaps?
• How do I adjust my retirement strategies to retire at 50 instead of 65?
• What does my dream home look like? What views do I want to see from the windows?

Questions like these can help you get clear on what you should place on your vision board.

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If you know that having a vision board will help you with your money, these other posts will also inspire you!

• Changing Your Perception Of Money
• Motivation For Saving Money: 12 Top Tips!
• 10 Money-Savings Charts To Save More Money
• Examples Of Financial Goals

Knowing how to create a money vision board can help you improve your finances!

Money vision boards are an extremely valuable tool for helping you reach your financial goals. They’re also a fun exercise, and you can get as creative as you want when making your own.

The truth is that merely writing your goals down and visualizing them won’t automatically help you achieve them. You must also do the necessary (sometimes hard!) work and hold yourself accountable.

The best way to do that is to surround yourself with others working toward similar goals. You can even get an accountability partner to work alongside side you.

If a community is what you’re missing on your financial journey, then check out the Clever Girl Finance courses and community. Here, you’ll find the resources and accountability you need to be successful with your money.

The post 8 Tips To Make A Money Vision Board appeared first on Clever Girl Finance.

By the time we’re adults, we’re inundated with information about the importance of goal setting. If you’re a goal-setter, you’ve undoubtedly seen how goals can transform your life. So why not impart some of that wisdom on the teens in your life by helping them set goals for teenagers?

Goals for teenagers are just like goals for adults. They are the key to success in finance, school, the future, relationships, and personal development.

If you’re raising a teenager, are involved in a teen’s life, or are one yourself, read on for some goals for teens that will help guide them (or you!) into adulthood.

Why are goals for teenagers so important?

When you’re a teenager, adulthood, and responsibilities can feel ages away. But it’s never too early to learn how to set goals and achieve them. Doing so can help teens in so many ways. Here are some benefits.

Builds a goal-setting habit

People who make goal-setting a part of their lives are the most likely to achieve their dreams. I personally love goal setting. One way to develop this habit is to start early.

Teens who learn to keep commitments to themselves through building a goal-setting habit can carry that habit into adulthood and will succeed in whatever they pursue.

Teaches the value of dreaming big and taking action

The first step in goal setting is dreaming and contemplating all that could be. Setting goals at a young age teaches teens the value of dreaming big and also taking action to pursue those dreams.

Once they see what is possible when they set their minds to it, they’ll learn that they can accomplish anything.

Builds confidence and self-esteem

One way to combat low self-esteem and also boost confidence is to set and achieve goals.

As teens start to accomplish goals, they’ll begin to see what you’re capable of. Then, they’ll begin to feel confident about their abilities.

Teaches independence

Most teens are at that stage where they long for independence, but they don’t quite have it all figured out yet (not that adults do, either!).

Setting goals is an excellent way for teens to learn how to take ownership of their lives and decisions. They can learn to achieve what they choose to achieve, not what others tell them they have to do.

Gaining this type of independence is a very empowering thing to learn.

Where to start with setting goals for teenagers

The best place to start with goal setting for teenagers is to brainstorm! Once you have some ideas, you can start setting short-term goals for teenagers and work your way up to setting long-term goals for teenagers.

Make a list

I always find it easier to get organized when I make a list. Sit down and come up with a list of things you want to accomplish. If you’re stuck, ask someone to share their own goals as inspiration.

Once you have a list of goals, it’s best to narrow it down to a couple of goals to focus on at a time. Having a specific goal will make it easier to achieve.

A good way to do this is to keep a running list of goals so you never run out of ideas or forget things you want to do. You can also start a yearly list of goals.

For now, keep your focus on just a few at a time. Consider starting with one or two short-term goals for teenagers. This way, you (or your teen) won’t get overwhelmed with a seemingly never-ending to-do list of goals, which really takes the fun out of it.

Take action to complete your goals

After you have a goal or a couple picked out, learn how to take action on those goals. SMART goals for teens are a great place to start. SMART is an acronym for goals that are specific, measurable, achievable, relevant, and time-bound.

Need some ideas for important goals? While nothing beats a brainstorming session, here are some of our favorites:

Goals for teenagers: Your finances

Let’s start with ten goals for teens that are all about learning to manage your finances and set yourself up for future financial success.

1. Get a summer job

Making money is one of the most empowering things a teenager can experience. If you aim to get a summer job, you’ll be one step closer to the independence many teenagers crave.

You’ll also learn valuable skills along the way, such as searching for a job, applying for one, crafting a resume, and interviewing.

Additionally, having a job at a young age helps build a strong work ethic. 

2. Set up a budget

Learning to budget before leaving home is an essential life skill, and my advice is to start budgeting immediately. Setting up a budget will help you take control of your finances and understand what you make, spend, and can afford. 

Additionally, having a budget will help prevent you from going into debt in the future.

3. Save for a big purchase

Have your eye on a new laptop for college? Perhaps you want to buy a prom dress that costs more than your parents have budgeted for.

Whatever the item is, a great long-term goal for teenagers is to save for a big purchase ahead of time. If you do this, when the time comes to buy the item, you’ll have saved up enough and will be ready to get it.

One of the key aspects of SMART goals for teens is that the goal is time-bound. By choosing a date you want to purchase the item (e.g., two weeks before prom), you’ll have a precise end date to work toward.

4. Start a side hustle

Side hustles are not just for adults! Some common side hustles for teens include dog walking, babysitting, or blogging, all of which can help earn you extra cash.

Setting the goal of starting a side hustle is a great way to set the stage for continuing that practice later in life.

5. Learn how to use a credit card

Many adults don’t know how to manage a credit card responsibly. One of the reasons? They never learned.

Therefore, an excellent long-term goal for teenagers is understanding how credit cards function and making responsible choices with one.

6. Open a savings account

Where should you put all of your hard-earned money? A savings account is the perfect place!

Open up a savings account instead of keeping your cash in a checking account. You’ll learn how to review your statements, how interest works and become more responsible with your money along the way.

7. Try a no-spend challenge

Spending too much? Perhaps spending so much time on social media has tempted you into buying things you don’t need.

One way to curb your spending is through a no-spend challenge.

One of the most helpful short-term goals for teenagers is not spending any money for a specific amount of time. Try it for a month and see if you can do it!

8. Understand and apply for financial aid

Is college in your future? Then, you’ll want to understand how financial aid works.

While higher education is expensive, setting a goal to understand how financial aid works will greatly help you in the future.

Focus on figuring out what student loans are available and how to apply. Additionally, you can learn and start applying for other resources, like scholarships, to help you reach your college goals.

9. Open a retirement account

Retirement might feel ages away (and it is), but that doesn’t mean you can’t start saving for it as a teen. I’d recommend starting to save as soon as possible.

Understanding retirement savings and opening up an account is a great long-term goal for teenagers and will make your life easier as an adult.

Most young adults don’t even consider retirement until many years later. Seeing the magic of compound interest at a young age will blow your mind!

10. Start an emergency savings account

Lastly, emergencies can happen to anyone, even teens. Another critical financial goal for teenagers is setting up an emergency savings account.

It’s one of the best ways to prepare for an emergency and protect yourself financially.

Goals for teens: Your future

Whether it’s next year or ten years from now, setting goals for the future can be extremely helpful for teens. For instance, here are some great goals for teenagers and their futures.

1. Figure out a post-high school plan

The first step toward figuring out your adult life is deciding what you want to do after graduating from high school. Maybe you want to attend a four-year university or community college or go straight into the workforce.

Whatever it is, set the goal of deciding what you want to do. Having a goal will stop you from doing something that someone else wants you to do, not what you want for yourself.

2. Achieve a certain grade point average

Are you looking for a relatively short-term goal? A common and great SMART goal for teens is achieving a certain GPA.

Earning good grades can be especially important if you want to pursue college. To achieve this goal, start small. Focus on improving your grades for a semester. Once you’ve started improving, you can focus on achieving better grades for the year or your entire high school career.

3. Talk to adults about careers you’re interested in

Would you want to be a marine biologist one day?

A teacher? A pharmacist? A novelist?

Whatever it is, there’s someone likely doing just what you think you’d like to do. Make it a goal to reach out to someone in a career you’re interested in.

Talking with different professionals will give you a head-start and put you on the right path to understanding what goals you want to set for your career in the future.

If you’re unsure where to start, your first step can be talking to a career counselor to get an idea of which careers best suit you. 

4. Shadow someone in a job you might like

Want to take it one step further? Why not ask one of those people you talked to about their career if you can shadow them for a day on the job?

You’ll learn first-hand what a job entails and get some insight into whether it is something you’d like to pursue.

Knowing what the future holds can be great motivation for achieving your other goals, like improving your grades or getting a part-time job.

5. Create a resume

If there’s one thing you’ll need in the future, it’s a resume. No matter what your post-high school plans are, having a resume ready is a crucial step to take.

Set the goal of preparing one. If you don’t have any work experience, you can start your resume by creating a list of your achievements. Your resume can consist of anything from volunteer work, being the captain of the football team, or other extracurricular. 

Putting together a resume as a teen will help you build a stand-out resume for the future, and increase your chances of getting a job interview in the future.

6. Take care of your belongings

A very future-thinking thing to do is to take care of your belongings. Think about a new item you recently purchased or were gifted. For example, maybe you were gifted a designer handbag, a new phone, a new pair of shoes, or a new tablet.

How are you taking care of those things? Do you have the proper protective wear? Does a particular item you have need routine cleaning or maintenance.?

Vow to treat your things with respect, and you’ll see how much longer they’ll last and how much money you’ll save since you won’t have to replace things you’ve lost or broken constantly.

7. Figure out what your dream life would cost you

Do you have big dreams and aspirations? Of course you do!

Do you know how much those dreams will cost you? Maybe not.

Instead of waiting until you’ve reached some point in the future, my advice is to figure out how much your ideal life will cost you today. By thinking about this now, you’ll be able to financially plan for your future all that much more accurately.

8. Learn to speak up in class

Speaking up in class can be intimidating. But school is also a relatively safe space to build public speaking skills.

While using your voice more in class may not seem like an audacious goal, it can help you become confident enough to speak your mind in different areas of your life. Not only will this skill help you stand out from your teachers, but it can also help you in your future career.

9. Register to vote!

Voting is one of the most powerful ways to have your voice heard. Register to vote as soon as you turn eighteen (or, in some states, even before that big birthday).

Registering to vote works well if you’re looking for SMART goals for teens since it is specific, measurable, attainable, relevant, and time-bound.

10. Keep a running list of goals to work toward in the future

While you can’t accomplish all your goals at once (there isn’t enough time in the day!), you can keep a list of life goals. 

Keeping a running list will help you stay focused and aid in your personal growth as you get older. Also, having a list of financial goals can be very useful as you get older and start making more money.

You’ll never run out of ideas if you always jot them down when they come to mind.

Goals for teenagers: Relationships

Relationships are the key to a fabulous and fulfilling life, from friends to family to romantic partnerships. That’s why it’s a great idea to set some goals around relationships, for example:

1. Eat dinner with your family once a week

Teenagers have some of the most hectic schedules out there. But that doesn’t mean you can’t make the time to eat a meal with your family once in a while.

Why not try eating dinner with your family once a week? You’ll be out of the house soon enough, so take advantage of the time you have left living with your family.

2. Plan a family trip

Does your mom always plan family vacations? You’re old enough now to have a say in it. And I bet your family will appreciate the help with planning!

Make it your goal to plan the next trip from start to finish. Research destinations and flights, develop a budget, find places to stay, and book activities.

Not only will you take on a big task for the family, but you’ll also learn many new skills along the way.

3. Start a new family hobby

Family time doesn’t have to be dull! Why not try something new together?

There are endless hobbies – from outdoor hobbies like hiking to indoor hobbies like baking – that you can do as a family.

4. Have a family game night

Another way to spend time as a family? Break out a traditional board game and have a weekly (or monthly) family game night!

This goal will help bring your family together and is a lot of fun.

5. Do a service project with friends

Community service is one of the most impactful ways a teen can give back to their community.

By doing a volunteer project with your friends, you’ll reap many benefits together, like higher self-esteem and helping those less fortunate.

6. Spend time with childhood friends

Most people have a friend or two from childhood with whom they’ve drifted apart.

If you have someone like this in your life, someone you once shared great times with but who you have lost touch with, try reconnecting.

Make it a point to schedule time with this friend at least once every two months. There are many free and fun things to do with friends on the weekend.

7. Make a new friend from a different social circle

Friendships with people who are different is one way to open your eyes to other perspectives.

If you tend to stick to the same type of friends, a great goal is to try to make a new one outside of your usual peers.

8. Learn what a healthy romantic relationship looks like

Whether you’re in a romantic relationship or not, your teenage years are the perfect time to learn what a healthy relationship looks like.

By understanding what a healthy relationship looks like when you’re ready for one, you’ll be more empowered to stand up for yourself and only accept the best. With this understanding, you are more likely to have emotional security and a better sense of happiness in your future relationships.

9. Find an adult you can open up to

An adult who understands you is one of the most valuable resources you can have as a teenager. While it could be one of your parents, an older sibling, or another family member, it doesn’t have to be.

Find a teacher, a community leader, or a boss–someone you admire and feel comfortable sharing with.

10. Become a supportive friend

Knowing how to be a supportive friend and set boundaries is a quality that will serve you for your entire life. When you show up for your friends, whether it’s cheering them on at their soccer game or being available for a late-night phone call, you’ll strengthen your bond.

Just remember that support should go both ways – your friends should be there for you when you need them, too.

Goals for teens: Personal development

Personal development isn’t just for someone in a crisis. Everyone can benefit from looking inward and working on themselves.

For instance, here are ten personal development goals for teenagers:

1. Read a non-school book over summer break

During the school year, teens are inundated with reading and homework. Summer break is usually a welcome time away from all of that work.

But that doesn’t mean putting down all books. Take this opportunity to read something fun just for you. No book reports are required!

Reading a no-school-related book can help you discover topics you never knew you were interested in. 

2. Find a cause you care about and volunteer

Don’t wait until you’re an adult to find a cause you’re passionate about! Teens can also make a huge difference in the world.

Choose an organization or a cause you feel strongly about and spend time learning about it and volunteering your time.

3. Start a journaling practice

Journaling is one of the simplest ways to clear your mind and a great way to practice self-care. Teens have a lot of emotions, and it can be hard to express them.

You can use journal prompts to get started or open up a blank notebook and let your thoughts flow. Journaling is one of my favorite things to do, as I find it very helpful for my mental health.

4. Start a meditation practice

Another excellent way to focus the mind? Meditation is one of the most beneficial long-term goals for teenagers. It can help you clear your mind, and protect your internal peace.

You’ll create a more profound sense of calm by taking just a few minutes out of your day to focus on mindfulness.

Starting a daily meditation practice is an excellent goal for teens who are experiencing anxiety or have lots of stress in their lives.

5. Learn how to cook a complete meal

Most teens still live at home, but soon enough, you’ll be out on your own. Which also means you’ll have to find your own food.

Instead of relying on take-out or pre-packaged meals, cooking your own food, even if you dislike it, is healthier and a great way to save money. Bonus points for serving that meal you’ve mastered at your next family dinner!

6. Learn a new skill

Learning a new skill is a classic goal for teenagers and adults alike. The reason?

Learning something new, like an instrument or a card game, engages the mind, builds confidence, and has many other mental health benefits.

7. Try out for a sports team

Is there something you’ve wanted to try out for but haven’t yet? It doesn’t matter whether or not you make the team (not even Michael Jordan made his high school basketball team right away!).

Set the goal of just trying to see what happens and what you learn from the experience.

8. Complete a non-school project

It can sometimes feel like everything you do is for school. But not all SMART goals for teens need to be centered around accomplishing something for school or your college resume.

By completing a non-school project, like building a treehouse or getting a yoga certification (really, the possibilities are limitless!), you’ll gain confidence and have fun doing something just for you.

9. Learn how to make and take care of your appointments

Someone has made dentist appointments, haircuts, and everything else for your life. Soon, though, you will be responsible for all of those appointments!

With the help of the adults in your life, try to take responsibility for these. For example, call the dentist and make your next appointment, write it down on your calendar, and practice being in charge of your life.

10. Create a morning or evening routine

Teens are old enough to take ownership of their own mornings and evenings. It can be empowering to start your day how you want to instead of haphazardly or rushed.

Create a morning or bedtime routine to structure your day and get more of what you want done!

Expert Tip: Teenagers should create goals around the things that excite them

Teenagers are often focused on the now. As result, creating goals for the future might seem overwhelming or unimportant to adolescents.

To help them get excited about goal setting, focus on creating goals around things they are already interested in. Once they’ve achieved a few simple goals, they’ll feel more motivated to achieve bigger and more long-term goals.

What is a SMART goal for a teenager?

A specific, measurable, achievable, realistic, and time-bound goal for a teenager can be around academics, extracurriculars, or sports. For instance, a SMART goal could be getting a 3.5 grade point average or straight A’s for an entire semester.

Other non-academic goals include joining the varsity football team in your third year of high school. There’s also starting a new club for the second semester or making a new friend outside of your social circle before school ends.

What are 5 smart goals examples for teenagers?

Teenagers have many options when setting SMART goals. They can focus on financial goals such as getting a summer job, saving enough money to buy a new phone, or learning to make money independently. Financial goals are also helpful in supporting teens in gaining financial literacy.

If you have teenagers who want to focus on things outside of school, they can create a SMART goal around hobbies. Examples of these goals could be to learn to play the piano by the end of the year or learn to ride a skateboard in six weeks.

When it comes to creating long-term goals for teenagers, examples of SMART goals are getting accepted into a four-year college, earning $1,000 by the end of high school, or meeting with a childhood friend once a month.

What are some long-term goals ideas for teenagers?

Long-term goals for teenagers are great because they help keep teens focused on the future. Long-term goals can be about getting into a specific college, saving a certain amount of money for graduation, learning to invest, or learning a foreign language. 

Other long-term goals for teenagers can be to:

• Start their own business
• Save for retirement
•  Start a specific career
•  Reach 100% attendance
•  Buy a used car
•  Save money for prom
•  Get your driver’s license

Articles related to goal setting for teens

If you’re looking for ways to help the teen in your life become financially savvy, these articles will give you advice and guidance.

• Financial Literacy For Teenagers: Key Money Tips For Teens
• The Best Investments For Teens And How To Start
• Budgeting For Teens: How To Get Started
• 47 Great Business Ideas for Kids!

Setting goals for teens can lead to a bright future!

There you have it! Forty important goals for teenagers to have.

Whether you decide to set SMART goals for teens or take another approach, setting goals from a young age helps to set a mindset of success.

Choose a goal from the list above, or come up with one of your own and see how powerful goal setting can be!

The post 40 Important Goals For Teenagers To Have appeared first on Clever Girl Finance.

Do you want to truly take charge of your day and create more opportunities in your life? Well, it all starts with planning. Yes, I know learning how to plan your day for success might sound dull, but trust me, it's the secret sauce for success!

 

Table of contents

• 1. Go to sleep a little earlier and then wake up refreshed
• 2. Set an alarm
• 3. Set clear and specific goals
• 4. Prioritize tasks
• 5. Create a to-do list
• 6. Schedule your day
• 7. Try time blocking
• 8. Break tasks into manageable chunks
• 9. Eliminate or delegate non-essential tasks
• 10. Perform a quick budget check
• 11. Incorporate buffer time
• 12. Review and reflect
• 13. Adapt and stay flexible
• Expert tip
• Common pitfalls to avoid
• An example template
• How much time should planning take?
• What is the ideal method for planning your day?
• How can you determine what the most important tasks are?
• Related articles for how to plan your day
• Knowing how to plan your day for success can change everything!

When you plan your day effectively, you set yourself up for greatness, paving the way toward achieving whatever big hairy audacious goal you have for the day.

From optimizing your sleep routine to effective task management, unlock the secrets to a successful and fulfilling day. Get ready to supercharge your productivity and also achieve new heights of success.

So, let's dive in and discover 13 tips to plan your day like a boss!

1. Go to sleep a little earlier and then wake up refreshed

Let's kick off with the foundation of a productive day—getting enough sleep.

Now, I can already hear the collective gasp from all the night owls out there. But trust me, it's worth it.

Sleep routines help with productivity and energy

Waking up refreshed does wonders for your productivity. You're giving yourself a head start before the world wakes up.

By establishing a consistent sleep schedule that allows for ample rest, you'll wake up energized and also ready to tackle the day ahead with gusto.

2. Set an alarm

We all need a little nudge to wake up in the morning, especially if hitting the snooze button is your superpower.

So, when it's time to rise and shine, set an alarm.

Tricks to wake up on time

But here's the trick: opt for a gentle alarm tone or use the gradual wake-up feature on your trusty alarm clock or smartphone. Let's avoid those jarring, heart-pounding sounds that make you jump out of bed in panic mode.

And here's a sneakier tip: place your alarm away from your bed.

That way, you won't be tempted to hit the snooze button and then crawl back under the covers. It's all about outsmarting the sleep monster, my friend.

3. Set clear and specific goals

Starting your day with a sense of purpose that reflects your personal core values is crucial.

It's like putting on a superhero cape and channeling your inner Wonder Woman.

Stay motivated and organized

So, take a few precious moments each morning to define clear and specific goals that align with your long-term aspirations. Then, consider what you want to achieve: acing that presentation, launching unique side hustles, or mastering your financial journey.

You'll feel a surge of motivation and a clear sense of direction when you have well-defined goals. It's like setting the GPS coordinates for success.

4. Prioritize tasks

Ah, the art of prioritization. Imagine Marie Kondo stepping into your to-do list and then decluttering it with joy.

Here's a simple yet powerful tip—prioritize when considering how to plan your day effectively.

Do urgent and critical tasks first

Determine the most critical and also urgent tasks that will impact your goals most. You know, the ones that move the needle forward and make you feel like a total rockstar.

By focusing on what truly matters, you'll progress toward your aspirations purposefully and efficiently.

5. Create a to-do list

The trusty to-do list. It's a loyal companion that keeps you on track and helps you conquer the world. Make it your best friend.

Add everything to your list and then prioritize

Create a comprehensive list with all the tasks you need to tackle. Then, jot it down on paper, use a snazzy digital tool, or unleash your creativity with color-coded sticky notes.

The choice is yours!

Just remember to organize the list based on priority and also allocate realistic timeframes for each task. Crossing items off your list is ridiculously satisfying, trust me. You'll feel like giving yourself a high-five every time you accomplish something.

6. Schedule your day

Now it's time to get structured.

We're talking about developing a schedule that outlines specific time slots for different activities and tasks.

Choose a scheduling method and stick to it

Whether you prefer a fancy planner or a digital calendar, find a system that works for you and stick to it like glue. You'll sail smoothly through the day when you allocate time to each task.

You'll have a personalized itinerary for your own epic adventure.

7. Try time blocking

Time blocking, my friend, is a game-changer. You're creating little sanctuaries of productivity in your day. And if that isn't motivating enough, remember the value of time and money and how much of both you could be saving by time blocking.

Use time blocking for each activity

Block out dedicated periods for focused work, meetings, breaks, and self-care. By assigning specific time slots to different activities, you'll maintain focus and, in addition, make sure you have ample time for essential tasks.

Your days become a well-orchestrated symphony where each instrument plays its part in perfect harmony.

8. Break tasks into manageable chunks

Sometimes tasks can feel as daunting as climbing Mount Everest. But fear not!

I have a trick to make them more manageable as you learn how to plan your day.

Make tasks smaller to help you accomplish them faster

When encountering a large or complex task, break it into smaller, more manageable sub-tasks. Taking one step at a time, celebrating your progress as you complete each sub-task.

Trust me, progress breeds motivation, and before you know it, you'll have conquered that metaphorical mountain.

9. Eliminate or delegate non-essential tasks

Not every task that's on your to-do list is a superhero-worthy mission. Some are more like sidekicks that can be delegated or even eliminated.

Understand what each task requires

So, take a moment to identify tasks that don't align with your goals or can be handed off to others. You'll have more time for the tasks that truly have the most significant impact on your success in life.

10. Perform a quick budget check

Oh, money, the eternal dance partner in our lives. As part of your daily planning routine, including a quick budget check is essential.

Steps to check your budget fast

Review your finances and ensure you're on track with your goals. Then, identify any unnecessary expenses that can be trimmed and make adjustments to avoid any budget challenges.

Being mindful of your financial situation helps you maintain focus and reduces stress throughout the day. Make your money work for you.

11. Incorporate buffer time

Life loves throwing surprises at us, doesn't it?

That's why you must include buffer time in your schedule—a safety net to catch you when unexpected interruptions or delays pop up during the day.

How to add some extra time to your day

So, when crafting your schedule, account for those little curveballs that life throws your way. Having some extra time, you can adapt to unforeseen circumstances without derailing your entire day.

12. Review and reflect

Before you shut off for the day, take a few precious moments to review what you accomplished and reflect on your progress.

Celebrate and evaluate for tomorrow

Take time to celebrate yourself, acknowledging the small and big wins.

This reflection allows you to identify what worked well and what could be improved. So you can fine-tune your planning process and make adjustments for future success.

13. Adapt and stay flexible

Remember, while planning is crucial, staying flexible is equally important when considering how to plan your day for success.

Things happen, and sometimes our plans need to be adjusted.

Stay open to changes in plans

Embrace those twists and turns, be open to tweaking your plans when necessary, and seize the day with a spirit of adaptability.

After all, flexibility is the secret ingredient to conquering any obstacle that comes your way.

Expert tip

The most important thing to remember with how to plan your day effectively is to simply think ahead. Rather than just considering what you'll do in the next hour, also think about the next day, next week, and even next month.

In addition, get rid of any activities that are a waste of your time, and try new organization methods that save you time.

Common pitfalls to avoid when you plan your day

Now that we've covered some fantastic tips let's address a few pitfalls to avoid.

Even the most organized among us can stumble into these traps, so keep them in mind as you plan your day.

Falling into the procrastination trap

Procrastination can be a sneaky little devil, tempting us with distractions. But fear not! Break tasks into smaller, more manageable steps.

It's easier to tackle small bites rather than a whole feast.

You can also try productivity techniques like the Pomodoro Technique, which involves short bursts of work interspersed with timed breaks, or try these 7 ways to overcome procrastination.

Overloading your schedule

You're ambitious, and that's awesome.

However, avoid overcommitting and cramming your schedule with a million tasks. Instead, be realistic about what you can accomplish in a day. Leave room for unexpected tasks, or simply give yourself a breather.

Remember, quality over quantity.

Neglecting self-care

Self-care is non-negotiable.

Include self-care activities like self care Sunday, breaks, and downtime in your daily plan. It's crucial to recharge and maintain a healthy work-life balance.

Take time for yourself, whether it's taking a walk in the park, a short yoga session, or indulging in your favorite guilty pleasure.

Failing to prioritize

Not all tasks are created equal.

Consider each task and score 1-5, 5 being the most important or urgent. Prioritize accordingly. Allocate time and energy to tasks with the most significant impact on your goals.

Stay focused on the big picture.

Ignoring personal energy patterns

We all have energy patterns throughout the day.

Some people are morning birds, while others are night owls.

Identify your peak energy periods and schedule challenging or important tasks. Then, maximize productivity by aligning tasks with your natural energy levels.

Not reviewing and reflecting

Remember to hit that pause button at the end of the day.

Take time to assess your progress. What worked well? What could be improved?

By reflecting on your day, you can make adjustments for future planning and continue growing.

An example template of how to plan your day effectively for success

Now that we've covered the tips and pitfalls, let's put it all together with an example of a well-planned day:

6:00 AM: Wake up refreshed and energized

6:30 AM: Set clear and specific goals for the day

7:00 AM: Prioritize tasks and create a to-do list

8:00 AM: Block time for focused work on the most important task

10:00 AM: Take a short break, stretch, and recharge

10:15 AM: Attend a team meeting

11:00 AM: Complete smaller sub-tasks related to a larger project

12:30 PM: Enjoy a well-deserved lunch break

1:30 PM: Delegate non-essential tasks to team members

2:00 PM: Perform a quick budget check and make necessary adjustments

2:30 PM: Incorporate buffer time for unexpected interruptions

3:00 PM: Tackle another important task

4:30 PM: Review and reflect on the day's progress

5:00 PM: Adapt plans for the next day if needed

6:00 PM: Wrap up work and transition to personal time

How much time should planning your day take?

Planning your day should be a fairly quick activity. When you're deciding what tasks to do and making your schedule, try to stick to a 10-15 minute routine. Otherwise, the planning is too complicated.

What is the ideal method for planning your day?

There are many ways to plan your daily life, from calendars and apps to to-do lists. Choose the planning method that makes the most sense for you and is also easy to follow.

How can you determine what the most important tasks are?

When you prioritize tasks, consider what is important and cannot wait until tomorrow, and do those things first. Then prioritize what is the next most important, and so on.

Related articles for how to plan your day

• How To Create The Ideal Day For Your Life And Finances Every Single Day
• How To Successfully Plan For The Year
• Daily Routine Examples For Financial Success
• Essential Life Planning Tips For Success

Knowing how to plan your day for success can change everything!

And there you have it! Planning your day effectively is the key to unlocking your full potential.

Implementing these 13 tips and avoiding common pitfalls creates more life opportunities.

So, grab that planner, and start paving the way to success one day and week at a time. You've got this!

And remember, planning your day is a great way to start prioritizing yourself, and it can also help you learn about how to manage your money.

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Financial goal setting is vital to achieving the big vision you have for your life. The dreams and desires you have are usually only achievable if you have the financial capacity to make them happen. And having that capacity means creating a roadmap of how you'll get there — hence, the importance of goals.

The right goals will help you track the progress you make towards your big vision. If you don't have goals, you don't know what to track. And there's nothing like achieving a goal to get you excited about what you can accomplish next. It's like fuel to your fire!

You can set new financial goals at any time and for any reason. You just need to be aware of certain key money truths and have the drive to accomplish the goals you set. So let’s talk about exactly how to set financial goals the right way!

The 3 rules of financial goal setting

When starting on this journey, it’s important to set goals. There are three key things to keep in mind when learning how to set financial goals. Your financial goals should be:

1. Measurable

If you can’t measure it, how will you gauge your progress? You need to clearly state what you want to achieve, by when, and what you need to do each week or month to reach your end goal.

2. Realistic

Don’t create unachievable odds for yourself. Yes, your goals should be challenging and outside of your comfort zone, but no, they should not be ridiculous or unattainable. If saving $5,000 a year is easy for you, then why not make your goal $10,000?

But setting a goal to save $1,000,000 when saving $10,000 is already a stretch… well, you catch my drift!

3. Written Down

The most important step of financial goal setting is actually writing your goals down! There's some magic to putting pen to paper and writing down what you want to accomplish. Writing your goals down gives them life, and they’ll become even more significant when you see them on paper.

Plan for your financial goals

Once you set your goals, it’s time to break each goal down. Let’s say your goal is to save an extra $10,000 over the next 12 months. It could be money for a down payment on a house, to buy a car, or to start a business.

Whatever it is you are planning for, you’ll need to save about $830 each month. Well, you already know that money isn’t just going to fall in your lap. In order to actually accomplish this goal, you’ll need to fit it into your budget, figure out where to cut back, think of ways to possibly increase your income, and make consistent deposits to maximize your results.

These steps add massive value towards your $10,000 savings goals you want to accomplish. But knowing all of this, how do you ACTUALLY DO IT?

Answer: Pick one thing you will do or one action you will take at the beginning of every single day that will get you closer to your goal. This one thing doesn’t need to be the same thing everything, and some examples could include:

• Making a savings deposit
• Setting up automatic transfers
• Reading a financial book
• Checking in your accountability partner
• Having a no-spend day

Doing this daily one thing, added together over time, will lead you directly to your goals even if you experience setbacks. Here are some specific examples of financial goals. (You can also check out our tips on creating a 5-year plan!)

How to set financial goals that are easy to achieve

Unfortunately, so many people give up on their goals before they even have a chance to make progress. Accomplishing your goals is often easier said than done.

But there’s no reason why it can’t actually be easy. You just need to know how to work toward your goals. People who are successful in achieving their financial goals practice the following.

Focus on your schedule of actions, not the goal deadline

Sometimes focusing on a deadline can make it seem like what you want to accomplish is so far away that you have plenty of time to get things done “later.” But then, all of a sudden, it’s so close that it’s too late to do anything.

When you focus on your schedule of actions for the big goals (that you’ve broken down into chunks and are tracking daily, weekly, monthly, or quarterly), you are more likely to do what’s required to accomplish your goals as a result of your consistent actions. This leads me to my next point.

Focus on the actions, not the performance

The actions you take carry more weight than the actual performance. Why? Well, the performance might not always be perfect, but the actions you take consistently (like budgeting, saving money on a schedule, making consistent payments towards your credit debt or student loans, etc.) will help you get better each time and improve your overall performance.

And that’s it. These two things can make all the difference when it comes to making those goals you’ve set super easy to accomplish.

Get started with our financial goal setting worksheets

Now that you know how to set financial goals, you can use our free financial goal setting and other worksheets to get started! They include sections for short-term, mid-term, and long-term goals.

Using our financial goal setting worksheets will also help you focus and stay the course to achieve your goals!

How to stay motivated when working toward your financial goals

So now that you are ready to start financial goal setting, you need to know how to stay motivated towards those goals! It is easy to set a goal or think of a goal, but we all seem to lose the necessary motivation to complete and fulfill these goals as time passes. And the truth is, motivation is key to your success!

Although there will be setbacks and failures when it comes to your financial goals, it’s important to keep yourself motivated. Here are some tips to keep you on track and focused despite what might come your way on your journey to financial success.

1. Create a reward system

Once you define your financial goals, you might fall into the trap of working excessively hard to achieve them. You may lose sleep and forgo other activities. You might even completely stop indulging in shopping, entertainment, or food once you set out on your goal.

And even if you manage to do this for a while, you may end up feeling burnt out and ready to overindulge before you know it. Aim for steady change a little at a time with rewards built-in rather than radically overhauling your entire life. Reward yourself for the small wins when you achieve them.

Instead of forgoing all of your favorite things, set aside a portion of your budget devoted to a small splurge now and then. At the end of the month or week, if you have stuck to your financial goals, you can then indulge.

This reward system will help you avoid splurging if you’re getting frustrated during a rough patch in your journey. It will also make saving more rewarding, rather than a means of self-punishment for any previous financial mistakes you feel you have made.

2. Surround yourself with like-minded people

If you are setting out to save a certain amount of money or pay off a certain amount of debt, it’s best to be around people who are also in it to win it, just like you. This is one of the best ways if you’re looking for how to stay motivated. These people can keep you accountable for your financial goals.

A great place to seek out like-minded people is right here with Clever Girl Finance! Here, you will find a plethora of women seeking a community of people with the same financial goals as yourself.

You’d also be surprised how many people already in your network are looking to achieve the same financial goals as yourself. You can host a meeting to get others together. It all starts with one person.

3. Seek out personal finance information

One way to gain knowledge about finance, aside from trial and error, is by reading personal finance books. Learning from the mistakes others have made is much more beneficial than having to learn the hard way. That’s why these books are available.

Another way to gain knowledge is to seek out personal finance events. You will be more engaged at these events and meet others with the same goals and outlooks about money as you (again, more accountability).

These personal finance experts will be the first to tell you to focus on your “why.” If you focus on the “why” of your goal and how it will positively impact your life and well-being, you will be much more likely to stick with your financial goals.

Try to steer your focus away from the money or making more money. Instead, have any additional money you make be the byproduct of your goal. Simply focusing on how much money you would like to make, rather than a better life, is the quickest way to burning out.

4. Start small

We’ve all heard of the snowball effect! For instance, although it may make sense to tackle your largest debts first, doing it in reverse is great for your psyche because you’ll get to celebrate those small wins much faster than if you started with your highest balances. This, in turn, will keep you motivated and excited to go after your bigger financial goals.

So as you start to think of your goals, consider how you can set them up so you can reap the motivational benefit of achieving those small wins. Living stingy (being more mindful of how you spend money) for a little while can help you ramp up those small wins!

Financial goal setting will lead you to success

Setting financial goals the right way and going after them is your opportunity to achieve your wildest dreams, blow your expectations out of the water, and make real progress towards your financial success.

Use these tips and our financial goal setting worksheets to work towards your goals. Here's to setting some amazing goals and setting yourself free from the things holding you back — Let's go!

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