When it comes to planning your finances, the main thing that will keep you on track is having a clear vision of your aim.
You need to know the “why” for your actions.
Take a few minutes and imagine a life where you had no debt.
What would you do with your money?
What would you buy?
Now write this all down in a positive, declarative way. In other words start writing your dream down with the words: “I will…”
For example: “I will own a large four bedroom house in the country side…” etc.
Once you have done this you will know where you want to get to and should be able determine what your first step towards achieving your goal should be.
Then, set yourself a SMART goal that you can achieve in the next week that will bring you closer to your dream.
You are on your way to making your dreams come true!
(If you want to find out more about goal setting, Chapter 22 of The 21 Day Debt Revolution will be of great help.)