By Shannon Simmons
Save more. Spend less.
Barter
often. These are great financial goals for the New
Year, but
there’s a big problem – these goals are
vague, and
vague goals can be overwhelming.
Many of us resolve to get our finances in order without
any idea of
what we will do to accomplish this.
The New Year is a great time to set goals but before
you set them,
make sure you have a plan.
Regardless of your financial circumstance, there are a
few good
tricks to help with 2012 goal setting.
1. Take a hard look at your current financial
situation
– and be honest
Make an appointment with a financial advisor or do a
complete
budget for yourself to assess your spending and saving
over the
last year.
Notice the places where you think you could improve
your spending
or saving habits.
2. Make Small, Attainable Goals
Start with small and specific goals to help stay
motivated along
the way.
For example:
Pack lunch at least twice a week.
Don’t buy a monthly transit for four months.
Increase automatic savings by $50.
Barter for two haircuts this year.
Small goals will improve your confidence in fulfilling
them.
3. Be Realistic
If you’re making small, attainable goals, you
can’t
expect to have millions of dollars by the end of
2012.
Don’t set yourself up for failure by setting
impractical time
horizons.
4. Check in Often
When setting goals, we often don’t stop to check
in and
acknowledge our progress. By acknowledging how far
we’ve
come, we remind ourselves that it is possible to make
positive
changes in our financial situation and we can stay
motivated to
keep up the good work.
By making attainable goals, you raise your confidence
and can stay
motivated to get yourself back into financial shape in
2012.
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