How to get your finances back on track in 2018

Did you meet your financial goals in 2018? Or are you ending the year feeling like you’re not any closer to where you need to be financially? If you feel like you could have done better last year, now is the time to start thinking about how you can get your finances back on track and where they need to be next year.

Here’s how you can get your finances sorted in 2018:


Since 2017 isn’t quite over, now’s the time to think about where you went wrong. Why do you think you didn’t meet your goals? Maybe you didn’t make a solid plan, or you had no real budget. Perhaps you kept forgetting that you needed to save money each week and instead found yourself spending it all at happy hour after work.

Grab a piece of paper and write down all the reasons why you think you may not have been successful in meeting your financial goals. This exercise isn’t to make you feel bad- instead, it’s a great learning experience so you’ll know what not to do next year.


Know your goals

It’s not enough to set a vague goal. Instead, you need to get SMART about it. That means setting goals that are specific, measurable, attainable, reasonable, and time-based. You also need to know why you want to meet each goal. Write a list of your financial goals, but delve deep into why you need to make them happen. Maybe you want to start a family but you don’t want to get started until you own your own home. Or perhaps you’d like to go back to school, but you’re unwilling to get into a bunch of debt to do it.

Once you’ve written your goals, hang them up somewhere where you can see them every day. This will keep them top of mind and ensure you don’t forget about them.

Make more moolah

If you want to save, you have two choices: Spend less, or earn more. I don’t believe in the whole “give up your daily Starbucks and you’ll be a millionaire by the age of 30” train of thought. Instead, it makes more sense to work hard and earn more money so you can bank the difference. Consider getting a side hustle and doing some freelancing. Another good option is to learn how to make money playing games online- check out casino online reviews in Indonesia for more information.

Ready to meet your financial goals in 2018? Use the above tips to help you get started and be sure to let me know how you do! What are your biggest goals for next year? Leave a comment below and let me know.

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