As we wrap up 2019, are you thinking of ways to try to “do better” or “be better” in the new year? The idea of a fresh start is appealing, but if you’re like me, you may be hesitant to set goals, based on a track record of not following through in the past.
That leads me to one key to success: we should only set goals that are truly important to us. We have to really want the goal. To put it another way: there’s no point in setting a goal because you think you should. If you’re going to set a goal, only do it because the result matters to you.
Once you have a goal you can fully commit to, a next step is to plan how you will get the money – how much will you save each week or month? That will mean reducing some of your other expenses so that you can put money toward your goal. Think specifically about what changes you will make in order to save; deciding in advance that you will not go to the coffee shop, or not buy any clothing, or… (whatever) will make it easier to steer clear of tempting situations.
My final tip for now is to keep your goal on your radar. For example, if your goal is a new computer, then keep a picture of the type of computer you want in a location where you’ll see it regularly – on your refrigerator, at your computer desk, and/or in the section of your wallet where you keep your money and credit/debit cards. That will help you stay motivated; it’s easier to say no to extra purchases when you have a reminder in front of you of why you are making a sacrifice.