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Setting money goals for the year might seem simple enough, but achieving those goals isn’t as easy as it sounds.

Knowing how you can stay motivated to reach your saving money goals is an essential step in actually achieving them.

I struggle with remaining motivated, and in the middle of summer, I’d much rather be laying by the beach instead of working on my motivation to get debt-free money goals.

When other people are vacationing or buying new cars, it can be tough to stay motivated to stick with your financial goals.

But you can easily regain your motivation for the new year goals by using these tips.

And while your saving money goals may seem simple now, you’ll need these easy tricks to trick your brain to stay motivated.

Plus, your motivation to get debt-free money goals will still be intact by the end of the year when you break your plan up into doable chunks.

If you need a little motivation help, here are a few things you can do to stay motivated throughout the year for your money goals.

money goals

What To Do When Money Isn’t A Big Enough Motivation

When your money goals are related to saving money, it’s easy to assume that the money saved will be a big enough motivator to keep you on track.

Initially, this might be the case. However, it’s hard to keep that motivation up when you are in the midst of trying to save.

When everyone else is going out to eat, and you have to cook at home, it might not be so much fun anymore. After a few months, you’ll start to feel that the money saved just isn’t worth it anymore.

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Setting difficult or even challenging goals isn’t a bad thing, but if it requires a lifestyle change, you might want to make sure you have many motivational factors to keep you on track.

In the long run, money won’t be enough to keep you on track.

So how we we help fix your motivation to get debt-free money goals? Give yourself rewards.

Make a plan to eat out once every other week that you actually prepared every meal at home. It doesn’t even have to be an entire meal, maybe just go get an ice cream treat.

Make them fun rewards! A day at the beach doesn’t cost a lot. Or even an evening at the beach to collect shells and watch the sunset.

It doesn’t even have to be a big or expensive reward. Just planing something to be your reward can help you keep your motivation for the new year.

Plan something every month or every two weeks and what your money saving goals are for those weeks. The constant reminder of what your goals are can help keep you motivated.

money goals

Do It For Yourself

One of the biggest reasons most people fail to stick to their goals is because they don’t care about their goals.

If your goals are not something you want to achieve; then you are even less likely actually to stick with it.

Don’t set your goals around what your friends or even your spouse want, they should be for yourself.

You can, of course, have marriage and family goals, but your goals should be things you are interested in and want to achieve.

If it’s important enough to you, then you can stick with it.

Write down your What’s, Why’s and How’s:

  • What is my goal?
  • Why do I want to do this?
  • Why do I feel this is important?
  • What are steps I can make to accomplish this goal?
  • How would I feel accomplishing this goal?

It’s easy to say you want to accomplish the goal, but writing down the reasons help you explain it to yourself why your money goals are so important to you. Plus, you’ll have those easy answers to explain it to others too.

Do you want to see the results? You will if you work towards you goal. Read about the #1 Secret to Personal Finance to find your motivation!

money goals

Keep It Visual

If you are sticking with a goal that will take multiple months, it can be challenging to stay the course. This is why having something to visualize will keep your dream in mind.

Make a chart to put on your fridge and track your debt progress, or have a jar someplace prominent where you keep your savings.

When you are feeling the burn of all your frugal efforts, you’ll be able to look at something that shows real progress toward your goal.

Put a reminder on your phone that helps keep your progress in plain view.

Add a note in sharpie on your debit or credit card.

Keep a sticky note reminder on the dashbaord of your car.

The key” to keep your motivation to get debt-free money goals in plain sight so you see everyday and often.

money goals

Break It Down

When you are setting money goals, make sure to divide those big goals into small bite-sized chunks. This will help make a big goal seem more manageable and help keep you on track when you start to lose motivation.

Even starting a Money Saving Challenge can help and keep you motivated this year!

Instead of looking at a big goal like stay on a budget every single month, rework that goal into something monthly that you can reasonably work toward.

For example, you could schedule budget meetings with your spouse, try to lower your expenses, and more to help make sure you come out on budget every month.

Pick a bill or expense each month to see if you can lower it or find a cheaper solution. Then once you figured that out, work on another one. it won’t seem as daunting just working on one thing at a time.

money goals

Stay Organized

Take the time early on to sit down and organize all of your thoughts and steps you’ll take toward your money goals. Keep a notebook with all of your thoughts and ideas to keep them all in one place.

When you are working on a big project (such as a big goal), it’s best to start by decluttering your mind and your workspace.

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Sit down and make a list of action steps, set up systems to help make it easier, and find ways to check in on your progress.

I usually set up reminders in my phone to remind myself to check in on my goals. Then I write down all my thoughts and progress in my notebook. If I need to adjust my goal sheet or my goal tally, I do that then.

By setting these up early on, you are ensuring that you start off your goals on the right foot.

money goals

Check In Regularly

It doesn’t matter what money goals you have set for yourself, setting it and forgetting it won’t get you any closer to your money goals. You have to be doing something to work toward those goals to make them a reality.

Setup monthly or even weekly check-ins if you need them to make sure that you are working toward your goals.

If I have work to do on my goals, I pick a day to work on just those things. I know that on Thursdays, I work on my goals, I check my progress and assess how I’m doing for the week. It helps me to stay motivated and it gives myself another boost right before the weekend so I don’t go off the deep end.

If you find yourself off track, find a way to make up for lost time and get back on it!

You can easily regain your motivation for the new year goals by using these tips.

And while your saving money goals may seem simple now, you’ll find these easy tricks to trick your brain to stay motivated.

Plus, your motivation to get debt-free money goals will still be intact by the end of the year when you break your plan up into doable chunks.

If you follow these tips, you’ll not only stay with your money goals until the end, but you will be more motivated actually to follow through on them!

 

YOUR TURN: What motivates you to want to work towards your money goals? Let me know in the comments below!

money goals
If you have saving money goals, then you\'re going to need some motivation for the new year for them to stick. Your motivation to get debt-free money goals start with these tips! Reach your money goals by starting here!
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