5 Ways to Crush Your 2022 Money Goals

A couple discussing their financials

Published on December 27, 2021

By Caitlin Zuehlke

‘Tis the season to start re-examining your money goals — in fact, saving more money is the third-most common New Year’s Resolution (after improving fitness and losing weight). Saving money can often feel complicated, but it doesn’t have to be. Like many things, the simpler you can keep it, the better. Here are five of my favorite simple money-saving techniques to help you start the New Year on the right path. 

1. Write down your goals

There is something powerful about writing down your goals. Seeing them in front of you can give you a sense of both clarity and empowerment. Assess where you currently are with your savings and where you want to be. 

2. Change your thoughts

Actions start with thoughts. Once you’ve set your goals, take 15 minutes, and write down every thought that comes up when you think about saving money. Examine them thoughtfully and decide which ones serve you and which ones don’t (and toss the latter!). Create any necessary new thoughts that will help you reach your savings goals.

3. Share your goals with someone

Having an accountability partner or support system will likely increase your chances of staying on track and reaching your goals. You could even find someone who similarly wants to save and support each other for the year.

4. Set up auto-savings

Set up a new savings account for each goal and create auto-transfers from your checking into these accounts on a regular basis. For example, you could have 5 savings accounts: down payment for home, medical fund, emergency fund, Christmas fund, and college fund.

5. Use a budgeting app

There are numerous budgeting apps that can help you track your income, expenses, and budget. Apps like PocketGuard and Mint can help you stay focused and honest about your money while providing a quick snapshot of your overall financial picture. 

Reaching your savings goals may not always happen overnight, but the key is to create new thoughts and habits and remain consistent. Then let time do its thing. Also, when in doubt simply reach out to a financial advisor or money coach for a more tailored approach to your unique situation. 

Caitlin May Zuehlke is a financial advisor turned organizing coach who teaches people to live their best lives through the power of organizing. Sign up for her Favorite Organizing Tips and Tricks.

Read next: Learning to Eat Intuitively Is a Great New Year’s Resolution

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Good food brings people together.
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Good food brings people together.
So do good emails.

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