financial goals

[sleepfirefly]

im sure we all have new financial goals this year the key to achieving our goals would be consistency my advice and also something i would observe myself is tracking all my expenses

even writing down the prices we spend may make us a little shameful because of how much money we have wasted especially when we end up spending more than we should have

[AVE5]

im sure we all have new financial goals this year the key to achieving our goals would be consistency my advice and also something i would observe myself is tracking all my expenses

even writing down the prices we spend may make us a little shameful because of how much money we have wasted especially when we end up spending more than we should have

Op I think this your thread is incomplete. Financial goals on what basis are you referring because I believe you don't just achieve your goals by adhering to consistent advice. Why not consistent efforts put to work that aligned achieving the financial goal?
Well, tracking your financial expenses you'll help to guide you to be responsible spender, that's if you've been suspicion or realized that you've been spending excessively all the while.

[stadus]

a little shameful because of how much money we have wasted especially when we end up spending more than we should have

We all deserve to be happy in life. One thing I’ve learned that really helps improve your financial situation is to stop focusing too much on expenses and instead focus on how to increase your income. You have to think of ways to grow it, otherwise you just stay stuck living paycheck to paycheck.

Investing is one option, sure, but starting a business, even if it’s risky, is another solid path. The truth is, no one becomes financially successful without taking some risks. So the real question is, when are you going to start?

[Royal Cap]

In my opinion it is good to keep track of expenses but sometimes getting stuck in the account book increases mental stress. It is not right to say that all expenses are wasteful, some expenses give us relief and increase our work energy. I think it is important to give ourselves a little leeway in addition to keeping track. Otherwise we may get bored and give up on the path to achieving our financial goals. Only if there is balance it is possible to maintain this habit for a long time.

[Botnake]

Best financial goal is to retire early,

I actually did that a few years ago. Honestly, it’s hard to stay as just an employee, especially if you’re not disciplined enough to live below your means. Over time, you end up buried in debt, which I experienced myself. And once you’re in that situation, work stops being enjoyable because you’re always thinking about how to get out of debt.

I only managed to fix it when I became braver, stepped out of the corporate world, and started my own company. It’s just a small one for now, but I know if I grow it properly, it won’t benefit other people, it’ll be for my family. The good thing is, I can eventually pass this on to my kids.

[suhadi88]

im sure we all have new financial goals this year the key to achieving our goals would be consistency my advice and also something i would observe myself is tracking all my expenses

even writing down the prices we spend may make us a little shameful because of how much money we have wasted especially when we end up spending more than we should have

Well, that's good, and sometimes we often get too lazy to record it, even though it's quite useful in assessing expenses. It's undeniable that sometimes, given our moods and pressures, our budgets drift to items that aren't necessarily crucial.

Many do, but this is life, full of things we can't accurately predict. With this evaluation, many loss items will be easily identified.

[Egii Nna]

~~snip~~

When I saw financial goal, I was expecting to see a pile of ideas or ways that people will follow in order to get an easy and better life, but unfortunately the topic was off point.

If you want to discuss financial goals, you are expected to give details on your main objective, your target (which can be what you want to save before the end of the year or even your retirement plan), the strategy that you will follow to achieve that, and implementing the strategy, which is an important part of a financial goal.

Apart from all this, patience is a very vital part of every process, and if you want to achieve something without a written plan, you will end up crashing everything down by yourself. This is 2026, we are not supposed to keep repeating mistakes while inflation is continuously increasing. We have to create a plan that will pave the way for us so that we will benefit from inflation instead of getting affected.

[Fara Chan]

im sure we all have new financial goals this year the key to achieving our goals would be consistency my advice and also something i would observe myself is tracking all my expenses

even writing down the prices we spend may make us a little shameful because of how much money we have wasted especially when we end up spending more than we should have

This is fundamentally true because anyone who wants to save money and achieve greater things in the future should record all their expenses and ensure they have a monthly income. Spending money beyond our needs is wasteful and can lead to difficulties, so the record-keeping you're referring to is important for everyone. Furthermore, anyone who wants to buy something in this life should do so based on its intended benefit, because if it's not based on its intended benefit, it can also be considered a waste of life.

[Jatiluhung]

For this new year, I do have several financial goals or aspirations that I want to achieve. And actually, this is a continuation of what I have been working on for the past few years. And I am confident that this year, God willing, I will achieve them.

But when it comes to bigger financial goals, achieving financial freedom at a young age is my goal. However, I am still not very optimistic about achieving it. But I will strive and keep trying to achieve it.

To do so, I have been consistent in investing in various instruments. Whether it's stocks, real estate, or property, and also in cryptocurrency, particularly Bitcoin. I always allocate them in proportions that are adjusted to their respective risks and potential.

[Hewlet]

even writing down the prices we spend may make us a little shameful because of how much money we have wasted especially when we end up spending more than we should have

You know, it's one thing to have money and a completely different thing to judiciously spend the money the right way and on the right thing and that's the area most of us are always found wanting.

Setting a financial goal that's aimed at building your finance is one thing but then, when you've built the finance, the next thing you're to do is to ensure that the money stays with you and that you're putting it into good use and that's where having proper financial knowledge comes in. Most persons struggle at the end of the first month of the year because of lack of proper planning for the season which always leads to excessive spending that hurts you afterwards.

[9ja Amaka]

Best financial goal is to retire early,

I encourage anyone to retire early if they want to. Having a business of your own does not mean you have retired from work. You will still put so much effort into that business to scale it from being a small business to a multibillion-dollar industry.

If there is anything I want so much in life, it is to be self-made. Working for too long, from paycheck to paycheck, cannot allow someone to retire early. It will cause them to work till they can't anymore.

[michellee]

Writing down the expenses is important thing we do. We should reduce the expenses next month by removes the thing that is not too important to buy. If you receive salary, you can allocate it into all of your needs including for the monthly expenses.

We should have plan our financial goals this year, more savings or investment so we will get better in the next year. We all want to achieve our goals so we need consistently and discipline running our plan.

Investing will be one thing that we should have for our future. We can prepare it while we are in new year by work smart and hard to achieve our goals.

[Zlantann]

im sure we all have new financial goals this year the key to achieving our goals would be consistency my advice and also something i would observe myself is tracking all my expenses

even writing down the prices we spend may make us a little shameful because of how much money we have wasted especially when we end up spending more than we should have

Keeping financial records is essential in balancing your income and expenses. Instead of keeping records of your costs, it would have been better to have a budget. This would help you in allocating money to everything you need to buy and reduce the chances of spending more than you can afford.   

Best financial goal is to retire early,

I actually did that a few years ago. Honestly, it’s hard to stay as just an employee, especially if you’re not disciplined enough to live below your means. Over time, you end up buried in debt, which I experienced myself. And once you’re in that situation, work stops being enjoyable because you’re always thinking about how to get out of debt.

I only managed to fix it when I became braver, stepped out of the corporate world, and started my own company. It’s just a small one for now, but I know if I grow it properly, it won’t benefit other people, it’ll be for my family. The good thing is, I can eventually pass this on to my kids.

It takes an uncommon determination and bravery to step out of the rat race. Leaving your job to start a business, even when you have done enough feasibility studies, is fearful. You are concerned about how your family will survive if the business fails. I can attest that leaving the corporate world is the pathway to freedom. When you start running your business, it gives you time to enjoy life and spend more time doing the things you enjoy. I am also thinking of starting a business because corporate life is modern-day slavery.   

[ancafe]

im sure we all have new financial goals this year the key to achieving our goals would be consistency my advice and also something i would observe myself is tracking all my expenses

even writing down the prices we spend may make us a little shameful because of how much money we have wasted especially when we end up spending more than we should have

Recording all expenses may sound excessive, but I once had a friend who practiced this in her life. She even shared that she knew every financial need she and her family spent throughout the year, allowing her to maximize her financial management plan. This may sound strange to some people, as recording everything in the books can make us seem stingy and some people including myself are too lazy to do it.

I usually just record a general overview of the money I need to live with my family, but not in great detail it's just a rough overview. Furthermore, we can plan our money management, including the percentage of our needs that will be spent with our family and the use of specific percentages for investments according to our respective abilities.

[Marykeller]

I don't think I am the type of being that likes tracking records of the things I have spent. I would prefer to map out a said amount to that, every month. If the money I map out for the month is spent, I know that's the amount I have spent for the month. I won't try to exceed that amount until next month, when I will think of bringing the same amount. That's what I will be doing each time of the month. I feel it's good that way. No stress of writing what and what you have spent on every passing day

[WhoYouCantKill]

Other than continuing my Bitcoin accumulation, I don’t think I have new financial goals. Although increasing my income streams so I can generate more revenue to increase my accumulation amount so I can actually reach my financial goals faster. And I do agree with you that consistency is a very vital tool that everyone needs to be able to reach their goal because reaching a financial goal is a journey and there’ll always be distractions along the way, and if you’re not consistent, disciplined and having self control reaching those goals would be impossible.

[laijsica]

im sure we all have new financial goals this year the key to achieving our goals would be consistency my advice and also something i would observe myself is tracking all my expenses

even writing down the prices we spend may make us a little shameful because of how much money we have wasted especially when we end up spending more than we should have

Of course, it is wise for a person to keep track of expenses to reduce their expenses. I keep all my expenses in an excel sheet. By keeping track of income and expenses, it is easier to plan for the future. It is known in which sector the amount of expenses is excessive. The best part is that by applying this method a lot of extra expenses can be reduced, so that transparency can be maintained with the family and there is no tendency to borrow.

If an investor can follow this method from the first day of the year and take a financial plan, he will be able to set his goals in the future and easily implement them. By keeping track of expenses, an investor will be able to save consistently and it is possible to balance expenses with income.

[BIT-BENDER]

im sure we all have new financial goals this year the key to achieving our goals would be consistency my advice and also something i would observe myself is tracking all my expenses

even writing down the prices we spend may make us a little shameful because of how much money we have wasted especially when we end up spending more than we should have

Op not this year 2026 do we continue to make a post like this.
Honestly they tracking your expenses post is already highly discussed on the forum on this board and many local boards to have this type of post.
Don't begin your 2026 by spare heading an unnecessary thread for spamming.

[abhiseshakana]

OP, from your short explanation hopefully you're not wrongly describe about financial goal as an annual new wish list bucket. I see financial goal as realistic financial target which i compiled / drafted based on my financial situation for some period. I split my financial goal to be short term target (1 year) and long term (5 years), and i adjust my target with my life vision and mission for keeping me consistent. My vision is to be human that can give benefit o others and be a parent who not left any single debt to my kids. My mission is avoid any debt especially for debt with interest and make an anti crisis personal financial structure. As i remembered i changed my financial goal when i get married and when I have kids, for other people they should / can cgange their financial goal when income change or when there are crisis. I never change my vission but financial mission is adaptable and dynamic.

Financial goal don't need to be renewing every year but need to be reviewed and evaluated based on income, expenses, responsibility digit increase or decerease and the most important thing is whether it is still realistic or not.

Some of my 2026 financial goals are ; add percentage of saving for my three kids 10% higher, adding new sources of income, adding 6 more months emergency fund. My wife proposal is renovated house due to kids growing bigger and need more space, but i asked her to wait 3 more years and we'll create new income to be posted on widening portofolio investation and use the profit for renovation.

[Cryptohygenic]

a little shameful because of how much money we have wasted especially when we end up spending more than we should have

We all deserve to be happy in life. One thing I’ve learned that really helps improve your financial situation is to stop focusing too much on expenses and instead focus on how to increase your income. You have to think of ways to grow it, otherwise you just stay stuck living paycheck to paycheck.

Investing is one option, sure, but starting a business, even if it’s risky, is another solid path. The truth is, no one becomes financially successful without taking some risks. So the real question is, when are you going to start?

Sure everyone love to live those lifestyles that seems to be what makes live happy which is obtained by expenses of funds, then it becomes a failed attempt if you have a financial goal but you are  spending more than your incomes that was the key for you to reach that goal.
So a wise financial goal person will be limited from most unnecessary and classic expenses and focus on his financial goal. And until then that discipline is applied, a lot of investors actually looses their financial positions due to spending what does not encourage their financial goals.