However, there are lots of distractions and unexpected payments that pop up, which can distract you from financial success.
In order to combat all the potential setbacks, check out some of the ways below that you can stay focused and motivated to succeed when it comes to your finances.
1. Cut up the credit cards.
Credit cards are usually the number one reason why people have money troubles. The first step is to cut them up. There’s no better way to get focused than to eliminate the problem right off the bat.
2. Get a lunch buddy.
When you work in an office, there is always pressure to go out to eat for lunch. So, one great way to stay focused on your money goals is to get a lunch buddy – that is, a person who will sit in the office and eat lunch with you! If you have a friend who also brings lunch from home, then you’re way more likely to save that money instead of spend it.
3. Start a blog.
Blogs are a ton of work, but they are a wonderful way to build a team of loyal cheerleaders! Debt bloggers and personal finance bloggers make up a wonderful community of supportive people who will often keep coming back to see how your journey is going. A blog also keeps you accountable and makes you want to report positive milestones to your readers.
4. Leave yourself notes.
It sounds silly but I love leaving myself notes! It helps so much when you are trying to achieve a goal. So, maybe you’ll attach a sticky note to your credit card that says, “Only use me if you need it!” or something to that effect. Sometimes friendly reminders to yourself stashed in unusual places helps to jolt your memory and keep you on track.
5. Finally stick to a budget.
You’ve been wanting to make a budget for so long, and now is the time! The best way to stay focused on your money goals is to have them right there in front of you. A budget not only helps you feel fresh, organized, and on track but it really does help you save money. That’s why so many people swear by them! Plus, Budget Ease makes it super easy to keep one!
6. Make it your status update.
People update Facebook with the most mundane things like, “I just ate pizza!” or, “I just saw the cutest dog ever!” So, if people update their statuses like that, why not use yours for something productive? Ask for encouragement for your money goals. Share your debt journey. Let people know when you pay of a large sum. Get others excited and inspired to do the same.
7. Keep friends who understand.
Most importantly, you have to be cognizant of the people you spend time with. If you consistently hang out with your friend who loves shopping at the mall, you’re going to be tempted to spend money every time. When it comes to staying focused on your money goals, whether for a short or long period of time, you really need to surround yourself with people who have similar belief systems. It will be much easier to save money and pay off debt if you have friends who love to stay in and play board games than it is to have friends who enjoy the fanciest restaurant in town.
Ultimately, it’s all up to you whether or not you stay focused on your money goals, but the tips above will definitely help you get there!
What is your biggest money goal right now?- Catherine Alford