The Problem With Vague Goals

'Save more money' isn't a goal. It's a wish. How much more? By when? How will you know when you've succeeded? Without specifics, there's no way to track progress or know if you're on track.

Making Goals Stick

The best financial goals are specific, measurable, and time bound. But they also need to be realistic given your actual income and expenses.

Building the System

Goals are achieved through systems, not willpower. Make it automatic whenever possible. Set up transfers, automate payments, remove the need to make the right choice every day.

Seeing Progress

Watching your progress in Spendify can be incredibly motivating. Seeing that debt balance drop or that savings account grow creates momentum.