Do you want something different but don’t know where to start? Do you think things could change but haven’t taken any action? Let’s face it…you aren’t going to change your circumstances just by thinking you want things to be different.
There’s the old adage that if you don’t measure it, you don’t know if you’ve made progress. That statement holds true in a number of areas – personal finance being one of them. Being in denial of how you are spending your money has gotten you into a place where you are now looking for help to get out. You can tell yourself that you aren’t spending that much, but in reality if you aren’t tracking your costs you aren’t really going to know where your hard earned money is going.
You’ve decided you need a budget. You are ready to jump in and call yourself a budgeter. Congratulations! That’s a big step toward being in control of your money.
Being realistic when setting a goal is important. If you can measure your progress -- even better. This post will show you the steps to follow to create your own SMART goals.