Helpful hints to make money goals stick

While everyone sets out with the best of intentions, the truth is that making goals is easier than following through with them, especially when it comes to personal finance. But with a little preparation you can be the exception to the rule.

Prioritize Goals

While you may think that saving money, getting promoted at work and earning a significant pay increase are all great aspirations, you may be biting off more than you can chew. Determine one or two top priorities so you can fully devote yourself to them.

Make Measurable, Attainable Objectives

Once you've set your money-saving aspirations, determine how you'll measure success. For example, if you are saving for your dream vacation, how much do you need to set aside for the trip and how much do you need to save each month to reach that goal. Then, set short- and long-term milestones to help you stay motivated. 

Save for a Rainy Day

Putting away a small amount every week for emergencies can add up to big savings in the long run. The $4 coffee you purchase each morning and weeknight takeout can add up quickly – start by cutting these nonessential costs and deposit the money in your savings account.

Replace Household Items

Even though your refrigerator or fixtures may be working fine, they may be using more energy or water than they should. To save on water bills choose a quality faucet with a lower flow rate. For example, in the bath, the new Glyde lavatory faucet from Moen offers a low flow rate with a sleek, transitional design that's easy on the wallet. It's long-lasting, too, which also saves money in the long run, as it's offered in Moen's LifeShine Brushed Nickel finish, which provides enhanced resistance to abrasion, corrosion and chemicals.

Repurpose Your Stuff

One way to save is by repurposing what you already own. Take a weekend to clean out closets, empty storage units and breathe new life into items by refinishing furniture or updating existing pieces of clothing. You can even sell clothes you don't wear as often on websites like eBay or Poshmark.

Heat up Your Savings

If you rely on oil to heat your home, contact your energy provider to determine whether you can pre-pay to lock into lower rates. This way, you won't have to worry about rising prices.

Setting achievable goals and planning ahead can put you on the right track toward long-term success. 

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