Set specific financial goals

Use numbers and dates, not just words, to describe what you want to accomplish with your money.

Most of the time our goals are not set in an effective way, which can conduct to a lack of accuracy in the outcome. You may feel that you are working too hard to reach that goal, but maybe you are not applying the right techniques, therefore it costs you more effort than it should. If you are looking for specific results you should pay attention to details that will lead you there. 

Ask yourself questions like, how much debt do you want to pay off, and when? How much do you want saved, and by what date?

That will help you to take your goals as a real challenge and to have more organization about your monthly income and expenses. So consider this every month and compare the results.

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