Setting 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 goals is an essential step in actually achieving your goals.

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

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

Money Isn’t A Big Enough Motivation

When your 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.

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.

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.

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.

Break It Down

When you are setting 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.

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.

Stay Organized

Take the time early on to sit down and organize all of your thoughts and steps you’ll take toward your goal.

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.

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.

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

Check In Regularly

It doesn’t matter what goal you have set for yourself, setting it and forgetting it won’t get you any closer to your 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 you find yourself off track, find a way to make up for lost time and get back on it!

If you follow these tips, you’ll not only stay with your 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 goals? What are some of your goals? Let me know in the comments below!

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