Start with a dream - a dream of being debt free, having an emergency savings, owning your own home.
How do you achieve your dream when so many financial issues have priority?
How do you manage your financial challenges and turn your dream into a goal, and that goal into a reality?
Start by writing down your goals. Write them all down. This is a financial wish list
Next, organize your goals into two categories: goals you want to accomplish within the next year and goals you want to accomplish within the next 5 years.
Now take those goals and put them in order of priority.
Write down what you need to do to accomplish each goal, when do you want to accomplish it, and what it will cost. Determine what you are willing to do to reach the goal.
A good resource is the SMART goals technique
Source: U.S Dept. of Labor - Saving Matters