{"id":7766,"date":"2023-08-05T16:04:57","date_gmt":"2023-08-05T16:04:57","guid":{"rendered":"https:\/\/isafespend.com\/budgeting\/how-to-set-financial-goals-you-can-actually-achieve\/"},"modified":"2023-08-05T16:04:57","modified_gmt":"2023-08-05T16:04:57","slug":"how-to-set-financial-goals-you-can-actually-achieve","status":"publish","type":"post","link":"https:\/\/isafespend.com\/?p=7766","title":{"rendered":"How To Set Financial Goals You Can (Actually) Achieve"},"content":{"rendered":"<div id=\"mntl-sc-page_1-0\" data-sc-sticky-offset=\"90\" data-sc-ad-label-height=\"24\" data-sc-ad-track-spacing=\"100\" data-sc-ad-bottom-offset=\"300\" data-sc-min-track-height=\"250\" data-sc-max-track-height=\"600\" data-sc-breakpoint=\"50em\" data-sc-load-immediate=\"4\" data-sc-content-positions=\"[1, 1250, 1550, 1950, 2350, 2750, 3150, 3550, 3950]\" data-bind-scroll-on-start=\"true\">\n<p id=\"mntl-sc-block_1-0\" class=\"comp mntl-sc-block mntl-sc-block-html\">\nHave you ever made a budget with the best intentions, only to give up after a few weeks (or days) because it\u2019s too restrictive? Budgeting requires sacrifices that can get old really fast, especially if you aren\u2019t reaping rewards along the way.\n<\/p>\n<p id=\"mntl-sc-block_1-0-2\" class=\"comp mntl-sc-block mntl-sc-block-html\">\nThe problem is, without meaningful financial goals and a budget strategy, it\u2019s easy to get stuck. In this article, you\u2019ll learn how to set and achieve financial goals you care about.\n<\/p>\n<p><span class=\"heading-toc\" id=\"toc-what-are-financial-goals\"\/> <\/p>\n<h2 id=\"mntl-sc-block_1-0-4\" class=\"comp mntl-sc-block money-sc-block-heading mntl-sc-block-heading\"> <span class=\"mntl-sc-block-heading__text\"> What Are Financial Goals? <\/span> <\/h2>\n<p id=\"mntl-sc-block_1-0-5\" class=\"comp mntl-sc-block mntl-sc-block-html\">\nFinancial goals are money-related objectives you want to achieve; for example, earning six figures in a year or saving $2,000 per month. However, financial goals can also be objectives that require money, such as buying a house by the beach or paying for your dream vacation to the Maldives. By identifying something you want to buy, pay for, or experience in the future, you can engineer a plan to get the money it requires. The monetary target is your financial goal.\n<\/p>\n<p id=\"mntl-sc-block_1-0-7\" class=\"comp mntl-sc-block mntl-sc-block-html\">\nThere are two main types of goals you can achieve:\n<\/p>\n<ul id=\"mntl-sc-block_1-0-9\" class=\"comp mntl-sc-block mntl-sc-block-html\">\n<li><strong>Short-term goals<\/strong>: These are the things you\u2019d like to achieve soon, within a year or less.\u00a0<\/li>\n<li><strong>Long-term goals<\/strong>: These require you to take a step back and look at the bigger picture. They can include goals you\u2019d like to achieve in two years, all the way up to 50 years in the future.<\/li>\n<\/ul>\n<div id=\"mntl-sc-block_1-0-11\" class=\"comp theme-experttiptip mntl-sc-block money-sc-block-callout mntl-sc-block-callout mntl-block\" data-tracking-id=\"mntl-sc-block-callout\" data-tracking-container=\"true\">\n<h3 id=\"mntl-sc-block-callout-heading_1-0\" class=\"comp mntl-sc-block-callout-heading mntl-text-block\">\nNote<\/h3>\n<div id=\"mntl-sc-block-callout-body_1-0\" class=\"comp mntl-sc-block-callout-body mntl-text-block\">\n<p>When setting goals, having a combination of both short- and long-term objectives is helpful. It can be hard to continue to work every day toward a goal that\u2019s 30 years away. However, if you are working toward a cohesive plan that combines weekly, monthly, and long-term goals, you\u2019ll get rewards along the way that keep you going.<\/p>\n<\/div>\n<\/div>\n<p><span class=\"heading-toc\" id=\"toc-setting-financial-goals\"\/> <\/p>\n<h2 id=\"mntl-sc-block_1-0-12\" class=\"comp mntl-sc-block money-sc-block-heading mntl-sc-block-heading\"> <span class=\"mntl-sc-block-heading__text\"> Setting Financial Goals <\/span> <\/h2>\n<p id=\"mntl-sc-block_1-0-13\" class=\"comp mntl-sc-block mntl-sc-block-html\">\nOnce you decide you want to set financial goals, where should you start? Well, if your goals don\u2019t align with what you really want, you likely won\u2019t stick with them when the going gets tough. So spend some time really thinking about and imagining the life you want. What would you like your future to look like? Who will be there? Where will you live? What do you want to have and experience? Every person\u2019s aspirations are going to be a bit different, and the financial goal you set will depend on many factors, including your cost of living.\n<\/p>\n<p id=\"mntl-sc-block_1-0-15\" class=\"comp mntl-sc-block mntl-sc-block-html\">\nIf you\u2019re in need of some inspiration, here are some examples of both short- and long-term financial goals.\n<\/p>\n<h3 id=\"mntl-sc-block_1-0-17\" class=\"comp mntl-sc-block money-sc-block-subheading mntl-sc-block-subheading\"> <span class=\"mntl-sc-block-subheading__text\"> Short-Term Financial Goal Examples <\/span> <\/h3>\n<ul id=\"mntl-sc-block_1-0-18\" class=\"comp mntl-sc-block mntl-sc-block-html\">\n<li>Build an emergency fund<\/li>\n<li>Take a cooking class<\/li>\n<li>Paying off a credit card<\/li>\n<li>Purchase a bike<\/li>\n<li>Take a family vacation to Hawaii<\/li>\n<li>Remodel a part of your home<\/li>\n<\/ul>\n<h3 id=\"mntl-sc-block_1-0-20\" class=\"comp mntl-sc-block money-sc-block-subheading mntl-sc-block-subheading\"> <span class=\"mntl-sc-block-subheading__text\"> Long-Term Financial Goal Examples <\/span> <\/h3>\n<ul id=\"mntl-sc-block_1-0-21\" class=\"comp mntl-sc-block mntl-sc-block-html\">\n<li>Start and run a successful small business<\/li>\n<li>Live comfortably\u2014whatever that means for you\u2014in retirement<\/li>\n<li>Pay for your kids to go to college without borrowing<\/li>\n<li>Own a vacation home<\/li>\n<\/ul>\n<div id=\"mntl-sc-block_1-0-23\" class=\"comp theme-experttipimportant mntl-sc-block money-sc-block-callout mntl-sc-block-callout mntl-block\" data-tracking-id=\"mntl-sc-block-callout\" data-tracking-container=\"true\">\n<h3 id=\"mntl-sc-block-callout-heading_1-0-1\" class=\"comp mntl-sc-block-callout-heading mntl-text-block\">\nNote<\/h3>\n<div id=\"mntl-sc-block-callout-body_1-0-1\" class=\"comp mntl-sc-block-callout-body mntl-text-block\">\n<p>When it comes to thinking about financial goals, take some time to write down things you hope to achieve in life. Don\u2019t hold back! It can help to start big, then work your way down to the smaller things, including something you could achieve as soon as this month.<\/p>\n<\/div>\n<\/div>\n<p id=\"mntl-sc-block_1-0-24\" class=\"comp mntl-sc-block mntl-sc-block-html\">\n\u201cThe best goals include a personal and sincere &#8216;why&#8217; that adds meaning and importance to them,\u201d Michael Eckstein, accountant and owner of Eckstein Advisory, said. \u201cYour &#8216;why&#8217; helps carry you through the beginning stages of building a habit, the tough stretches while reaching your goals, and is a constant reminder of why you&#8217;re doing it.\u201d\n<\/p>\n<p id=\"mntl-sc-block_1-0-26\" class=\"comp mntl-sc-block mntl-sc-block-html\">\nEckstein also said that the goals do not have to be extremely grand or large. As long as the goal is important to you, it is valid.\n<\/p>\n<p><span class=\"heading-toc\" id=\"toc-how-do-your-dreams-become-reality\"\/> <\/p>\n<h2 id=\"mntl-sc-block_1-0-28\" class=\"comp mntl-sc-block money-sc-block-heading mntl-sc-block-heading\"> <span class=\"mntl-sc-block-heading__text\"> How Do Your Dreams Become Reality? <\/span> <\/h2>\n<p id=\"mntl-sc-block_1-0-29\" class=\"comp mntl-sc-block mntl-sc-block-html\">\nWith your dreams written down, it\u2019s time to create a plan that can bring them to life. You\u2019ll need to figure out how much it will cost to achieve each of your goals, which can take a bit of research and some simple math. You\u2019ll need to piece together a plan on when and how you\u2019ll reach each target based on your income and expenses.\n<\/p>\n<p id=\"mntl-sc-block_1-0-31\" class=\"comp mntl-sc-block mntl-sc-block-html\">\nA great framework to use when creating a plan for financial goals is to ensure they are SMART. It\u2019s an acronym that says each of your goals should be specific, measurable, achievable, relevant, and time-bound.<span class=\"ql-inline-citation\" data-cite=\"1\"\/> For example, let\u2019s say you want to build an emergency fund. If you applied the SMART principles, here\u2019s what that would look like:\n<\/p>\n<ul id=\"mntl-sc-block_1-0-33\" class=\"comp mntl-sc-block mntl-sc-block-html\">\n<li><strong>Specific<\/strong>: I want to build an emergency fund of $20,000.<\/li>\n<li><strong>Measurable<\/strong>: I want to save $4,000 per year, which is $333 per month and $11 per day.<\/li>\n<li><strong>Achievable<\/strong>: My budget includes up to $450 of disposable income that enables me to save the targeted amount of $333 per month.\u00a0<\/li>\n<li><strong>Relevant<\/strong>: According to my income and expenses over the past year, I should be able to achieve this goal.<\/li>\n<li><strong>Time-bound<\/strong>: I want to save $20,000 within five years.<\/li>\n<\/ul>\n<p id=\"mntl-sc-block_1-0-35\" class=\"comp mntl-sc-block mntl-sc-block-html\">\nBy making sure each of your goals follows the SMART framework, you can create a plan to actually achieve the things on your list. You\u2019ll then need to stick to the plan, track your progress, and celebrate your wins.\n<\/p>\n<div id=\"mntl-sc-block_1-0-37\" class=\"comp theme-experttiptip mntl-sc-block money-sc-block-callout mntl-sc-block-callout mntl-block\" data-tracking-id=\"mntl-sc-block-callout\" data-tracking-container=\"true\">\n<h3 id=\"mntl-sc-block-callout-heading_1-0-2\" class=\"comp mntl-sc-block-callout-heading mntl-text-block\">\nNote<\/h3>\n<div id=\"mntl-sc-block-callout-body_1-0-2\" class=\"comp mntl-sc-block-callout-body mntl-text-block\">\n<p>Make your daily targets highly visible so they stay top-of-mind. For example, you may consider placing them on a bulletin board, on a notepad by your laptop, or in calendar reminders.<\/p>\n<\/div>\n<\/div>\n<p><span class=\"heading-toc\" id=\"toc-the-bottom-line\"\/> <\/p>\n<h2 id=\"mntl-sc-block_1-0-38\" class=\"comp mntl-sc-block money-sc-block-heading mntl-sc-block-heading\"> <span class=\"mntl-sc-block-heading__text\"> The Bottom Line <\/span> <\/h2>\n<p id=\"mntl-sc-block_1-0-39\" class=\"comp mntl-sc-block mntl-sc-block-html\">\nWhile budgeting often gets a bad wrap, when you\u2019re doing it to create the future you truly want, it feels different. You make many small but strategic decisions each day that gradually bring your dreams to life. Plus, by layering short- and long-term goals, you get rewarded along the way.\n<\/p>\n<p><span class=\"heading-toc\" id=\"toc-frequently-asked-questions-faqs\"\/> <\/p>\n<h2 id=\"mntl-sc-block_1-0-41\" class=\"comp mntl-sc-block money-sc-block-heading mntl-sc-block-heading\"> <span class=\"mntl-sc-block-heading__text\"> Frequently Asked Questions (FAQs) <\/span> <\/h2>\n<div id=\"mntl-sc-block_1-0-42\" class=\"comp mntl-sc-block money-sc-block-questionandanswer mntl-sc-block-questionandanswer\">\n<span class=\"heading-toc\" id=\"toc-how-do-you-decide-how-to-prioritize-your-financial-goals\"\/><\/p>\n<h2 class=\"mntl-sc-block-questionandanswer__question\">How do you decide how to prioritize your financial goals?<\/h2>\n<div class=\"mntl-sc-block-questionandanswer__answer\">\n<p>Once you have all of your goals written down, review them to decide which are the most important to you. Identify which are needs and which are wants. For example, while paying off student loan debt may trump saving for a wedding for one person, the opposite could be true for another. It all depends on the person. Once you\u2019ve identified your goals, rank them and pursue them accordingly.<\/p>\n<\/div>\n<\/div>\n<div id=\"mntl-sc-block_1-0-44\" class=\"comp mntl-sc-block money-sc-block-questionandanswer mntl-sc-block-questionandanswer\">\n<span class=\"heading-toc\" id=\"toc-how-often-should-you-revisit-your-financial-goals\"\/><\/p>\n<h2 class=\"mntl-sc-block-questionandanswer__question\">How often should you revisit your financial goals?<\/h2>\n<div class=\"mntl-sc-block-questionandanswer__answer\">\n<p>Check in at the end of each month (or more often for some short-term goals) to track your progress. During this time, assess whether your goals still align with where you want to go. Then take a deeper dive into your goal review at the end of each year. Depending on the results, you may want to take a more aggressive approach, or reassess how you can meet your existing targets.<\/p>\n<\/div>\n<\/div>\n<div id=\"mntl-sc-block_1-0-46\" class=\"comp mntl-sc-block money-sc-block-questionandanswer mntl-sc-block-questionandanswer\">\n<span class=\"heading-toc\" id=\"toc-how-can-your-tax-withholding-affect-your-budgeting-or-financial-goals\"\/><\/p>\n<h2 class=\"mntl-sc-block-questionandanswer__question\">How can your tax withholding affect your budgeting or financial goals?<\/h2>\n<div class=\"mntl-sc-block-questionandanswer__answer\">\n<p>If you receive a tax refund at the end of the year because too much of your money was withheld for taxes, you will lose the opportunity to invest and earn interest on it during the year. However, getting a lump sum at the end of the year can be helpful for some. For example, if you have trouble saving money, your tax return could allow you to make a sizable impact on one of your goals.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<p>Read the full article <a href=\"https:\/\/www.thebalancemoney.com\/best-financial-goals-2385552\" target=\"_blank\" rel=\"noopener\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Have you ever made a budget with the best intentions, only to give up after a few weeks (or days) because it\u2019s too restrictive? Budgeting requires sacrifices that can get old really fast, especially if you aren\u2019t reaping rewards along the way. The problem is, without meaningful financial goals and a budget strategy, it\u2019s easy<\/p>\n","protected":false},"author":1,"featured_media":7767,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[50],"tags":[32],"class_list":{"0":"post-7766","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-budgeting","8":"tag-featured"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.12 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How To Set Financial Goals You Can (Actually) Achieve | iSafeSpend<\/title>\n<meta name=\"description\" content=\"Have you ever made a budget with the best intentions, only to give up after a few weeks (or days) because it\u2019s too restrictive? 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