From resolutions to challenges, diets and more, we love to push ourselves to create new habits in our lives. When we set a goal, we have various support avenues to help us stay committed. However, more often than not we neglect the financial avenues in which we can also create goals while staying consistent. Here’s five ways to stick to your finance goals.


First, you have to know what you want. Here are a few questions to ask yourself to help you pinpoint your overall desire. What moved you to put financial goals in place? Why do you want to accomplish this milestone? What do you plan to do once you reach this accomplishment? It’s necessary to classify the kind of goal that you have so you are more aware of how to stick to it. Are you trying to save money so you can support yourself if an emergency happens or to go on vacation? All preceding steps start with knowing the end game.


Now that you know what you want for your finances, the second part to staying on track is to consistently keep reminders in front of you. Writing out your financial goals and putting them in places that are unavoidable keeps your mind aware of what you want. You can do that by creating phone reminders, putting sticky notes on bathroom mirrors or even placing them in your car. This will help you start to visualize yourself accomplishing that goal which will fuel you to stay on track.


Once your goal is set, it’s time to plan out how you’ll achieve it in a realistic way. Creating manageable checkpoint goals can help you stay on track. Checkpoint goals are smaller wins that you can use as measurable progress toward your long-term financial goal. This way you can have small wins that keep you on track. To do this break your goal down into annual and bi-annual chunks. For example, If you have a five-year goal then make a target for each year that serves as a checkpoint. In order to make sure you get to your yearly target, you can aim for monthly objectives to check off as well. For short-term goals, you can create daily, weekly, or monthly habits to accomplish them. This could include planning your spending for the day, checking your budget every week and making sure you put money into your savings every month. If you miss one of your checkpoints, just start over the next week.


Wondering how to manage multiple financial goals? Simple. Start by prioritizing them. Based on your long-term outcomes, place them in order by the most important ones to you. Understand that some of your goals may be more relevant and time-sensitive than others and that is completely ok. Prioritize your goals from starting with the most time-sensitive then focus on what will save you the most money in the long run.


Wrap up all of your strategies to stay on track by getting an accountability partner. Staying on track for a goal can be hard but getting out of your comfort zone to accomplish goals are better when you have someone there with you. This can be someone who is working toward similar finance goals as you, or even someone in your family.

Regardless of the goals you have, know that people are there to support you and want to see you win. What plans do you have in place to stick to your goals?

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The Finance Bar is a personal finance suite helping women and couples achieve financial wellness through coaching, education, and an innovative learning hub on wheels. Creator Marsha Barnes is a Certified Financial Social Worker, Official FICO Brand Ambassador, and was named the 2018 Best Money Expert in the Net-Worth Category.

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