How to make your financial (and other) goals suck less | MoneyStrands

Goals and habits can quickly become routine. The same eating plan. The same workout. The same dates. At this point you’ll hit an enthusiasm dip, A.K.A “informed pessimism”.


Too many goals die during the “uninformed pessimism” stage. If you’ve ever tried to meet a goal, you know what feels like. It’s when the momentum of making a big change starts to wear off and you’re realizing that there’s still a lot of work ahead of you. You start hearing those whispers in your head telling you to take the easy road, to take a break for a day, or just let it go.

Goals are won or lost during the enthusiasm dip. So next time you find it hard to stay on track, think of these three strategies:


1. Own your actions

In relationships, we all know the clichéd story of how it was so great in the beginning but then one, if not both, stopped trying and things fell apart. That is when the real work begins. The thought goes, “Uuuugh, I have to keep planning dates, finding new ways to be romantic, and keep being proactive in the relationship forever? Best to just break up and be single again.” Plus, it’s all their fault of course!

It’s really easy to blame forces outside of our control when we fail to achieve what we want. It’s “the time going by” that kills your relationship. It’s “the weather” that keeps you from exercising. It’s “your boss” that keeps you from improving your career. It’s “the system” that keeps you from saving money.

Here’s the thing: you won’t meet your goals until you embrace the ownership of your actions. If something depends on you, only you can really take control.


2. Get a “Buddy”

A Buddy is that person you trust who is also striving to achieve goals in life – just like you. How can you find your Buddy? Easy. Look for someone in your already-existing circle that shares a similar vision and mission as you.

Is there someone you know that’s taking a serious interest in investing? Is there someone you know working hard on their career? What about someone who’s newly committed to exercise?

Go for coffee with that person. Send messages to motivate that person. Find ways to share activities with that person. Buddy up with that person.



3. Define your goals – clearly

A goal without a plan is just a wish. If you just live on a meandering, day-to-day basis, it’s likely that your life will largely be the same 1 year, 3 years and 5 years from now.

In other words, you may have a broad idea of what you want. But until you clearly articulate it out as specific saving goals, you are not channeling your efforts properly.


Don’t go big or go home. Go small first, then plan, set your goals and win.

To put yourself into real action mode, MoneyStrands can help. Just name your Saving Goal and get started. Here’s how:


Saving Goals MoneyStrands


✓  Download MoneyStrands app for free.

✓ Create your profile and aggregate your bank accounts in seconds.

✓ Go to Planning and add your Saving Goals.

✓ Feel the awesomeness of meeting your goals. High five! ?


And remember… You are responsible for making s**t happen.