So, whenever you’re tempted to splurge, you can refer back to your sticky notes. The point is, they must be visible to you throughout the day. You can place them around your home or in your car. To ensure you keep your eye on the prize, you can create several sticky notes with your financial goals on them. By keeping your goals top of mind, it will be a lot easier to pass up a spending opportunity. You’ll need to remind yourself what you’re working towards. But, if you’re starting, it might sting a little knowing you can’t indulge in every social event with your friends or spend aimlessly on a new cashmere sweater. If you don’t take control of your finances, and throw your money at every shiny object, how will you ever buy that trip to South Africa or save for a down payment on your dream home?Ĭrafting a budget forces you to define and map out your goals, save money, keep track of your progress, and maybe even make your dreams come true. You need a budget to set and accomplish your goals. You might even surprise yourself at how well you have done thus far without having a budget. ![]() Knowing exactly what you have in savings and in investment accounts will help you set goals and track your progress. ![]() This is a great time to review all of your account balances.
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