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Plan To Save
Identify your savings goals
The first step in developing your plan is to identify your financial goals. These goals will form the core of your plan. They could take the form of a trip overseas, a new car, financial independence, or even all three - you decide.
We suggest that you give some thought to identifying your financial goals. Don't shy away from your dreams.
Identify your personal goals and, if appropriate, also think about the goals you wish to achieve with your partner and family. Achieving shared goals is a shared activity.
Once you've settled on your list of goals, commit them to paper (or spreadsheet).
You'll also need to understand the timing of your individual goals. It's useful to have goals with varying time frames. If you're trying to achieve a long-term goal, there's nothing more motivating than achieving a short-term goal. Be realistic about your time frames.