4 Step Plan to Get What You Want Financially

4 Step Plan to Get What You Want Financially

Feeling like there’s not enough money left over at the end of the month? Feel like you’re never getting ahead? Want to save and invest, but don’t know where to start? These are struggles for a lot of people.

i’ve made a quick, simple plan to help overcome these struggles.

Step 1 – Set a Goal

If we don’t have something to work toward then what in the world are we doing with our lives? Hangin’ out, complaining about how that guy never called and how nothing ever goes your way, bein’ broke, fat and lazy…

Okay, maybe that’s a bit extreme. But in all seriousness if you want to live a happy, fulfilled life (which I’m guessing you do) then let me help you get on that path.

Let’s figure out what you want. Financial freedom in 10 years. Buy your dream home in 5 years. Take a trip to Italy next year.

Decide what you want to work toward. Write it down.

Figure out what it will take financially to get there. Save $100 a month for the next 12 months. Invest $300 a month for the next 10 years.

Do some quick estimates and a little math to figure out what amount of money you are working toward.

Next to what you wrote down you wanted, write down how much money you’ll need and when you want it by.

Now get excited about your goal because you’re going to achieve it!

Step 2 – Create a Habit

Now that you know your goal you’ll want to create a plan to achieve it. I’m not going to give you a 50 step plan, I’m going to give you a simple system that works.

It’s the system of creating habits to achieve your goals. We can control our habits and we want our habits to align with our values and our goals.

People often underestimate the power of habits. Although, habits are how great things are achieved. Things happen one day at a time, they don’t just suddenly appear. We need to recognize what we do daily decides what our future will be.

Think of what you could start doing to help you achieve your goal and build up from there.

If you know you want to save or invest, but just haven’t found the money to do so then create a simple habit to help get you there.

If you want to start a savings then your habit can be to save something everyday (a penny you find on the ground or a couple dollars you got back at the gas station).

Or it could be to create a habit to transfer a certain amount of money into your savings account every week. Or put it on auto transfer.

Once you’ve started a habit, you can continue to improve upon it. So if you’re saving pennies everyday, improve your habit to start saving a dollar a day, continue to stretch yourself and improve upon your habit.

Soon the money will start adding up and you’ll be closer to reaching your goal.

If your goal is to invest a certain amount each month, but don’t know where to start then you could create a habit to spend 10 minutes a day researching about investing. Once you’re comfortable with how to do it, change your research time into setting up an investment account, like a Roth IRA or Traditional IRA and to start contributing. Then go back to researching another way to invest. Come up with something that will work for you and your situation.

Create a simple habit to start with and increase from there.

For a personal example, I had a goal to get back to my weight when I was 21. I decided to do at least 5 minutes of exercise at night to start with. I’ve done at least 10 pushups 6 days a week every week this year so far. Then I started doing Zumba 3 times a week. Just by starting with the 5 minutes, it led me to want to do more exercise (improve upon my habit) and I’m happy to report I’ve reached my goal. 🙂

One good habit will lead to another good habit.

Step 3 – Stay Accountable

Have someone help keep you accountable. Report weekly to someone who will actually hold you accountable. It could be your mom, your roommate or whomever you feel comfortable reporting to.

Tell them you’ll be reporting to them each week and even create more of an incentive by telling them you have to do something for them if you don’t keep your goal. Like doing their gardening or doing the dishes for a full week. Pick something you hate doing and don’t forget to pick someone that will hold you to it.

Being held accountable by someone else helps your mind actually want to keep the goal. If we are letting others down, or have to do something we hate, it increases our motivation to achieve our goal.

Step 4 – Celebrate

As you continue to work toward your goal and create habits to help you, celebrate what you accomplish along the way.

Not only is it fun to celebrate, but it helps keep you motivated. If you save your pennies for a full week celebrate by watching your favorite show or whatever floats your boat.

Celebrating also helps you to remember how far you’ve come and helps to put things in perspective. Sometimes we forget the process we’ve gone through to get to where we are. We quickly move to the next goal and forget to celebrate the things we’ve already accomplished. When that happens, it becomes easier to get discouraged when things aren’t going our way, so remember to celebrate and be grateful for what you have achieved along the way.


The plan is that simple. Let’s do a quick recap: set a goal, create a habit, be accountable and celebrate! Who’s on board with this simple plan?! Share in the comments what goal you’d like to achieve!

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