设定小目标，取得大成功
If goals are hard to reach, they become unattainable. Try scaling them down to be bite-sized and easier to achieve.
Small, bite-sized saving goals help you save and stay on track to your long-term 财务目标. 这是双赢. Reaching your long-term financial goal doesn't have to be a far-off dream. 买房, 偿还债务, 为旅行存钱 or any big financial goal is worth the effort, but it's important to remember that reaching it doesn't happen overnight. Instead of waiting for tomorrow to start saving, start 今天. Try breaking down an intimidating goal into bite-sized tasks, and give yourself the chance to have a few wins along the way instead of only at the end. Thinking small can be the secret to a big success.
决定你想要什么
If you're wondering w在这里 to start, it's with that long-term goal. Sit yourself down and ask serious questions about the far-off future, 意识到你的思想走向. If you're having trouble honing in on that goal, check out 财务目标设定 for more tips on clearly seeing your long-term financial goal(s). 一旦你实现了目标, 告诉你的朋友, write it down or make a dream board if that's your thing. Do whatever it takes to hold yourself accountable and continue reminding yourself of the big picture. 然后，设定一个截止日期. Break down your goals into tasks and map out a timeline. Before you know it, you'll be ten steps into a brand new path of good saving habits.
设定明智的目标
When breaking down your goal into smaller, digestible tasks, remember to keep it simple. Setting the bar too high can de-motivate and discourage. When organizing your small goals, "SMART"is a helpful acronym to use as you get organized:
- 具体的: A specific goal is something clearly defined or identified
- 可衡量的: 一个可测量的目标可以被量化
- 可实现的: An attainable goal is something that is possible
- 现实: A realistic goal is something that can be achieved by you or others
- 时间约束: 有时间限制的目标是有期限的
They need to be actionable tasks that feel doable, not daunting.
保持积极的态度
On top of being on track to your reach dreams, 实现小, 小目标也会增加你的幸福感. According to a journal studying dopamine cells, they found that 多巴胺在功能上起作用 like paying attention, staying motivated and making decisions.
所以与其把未来留给, 好吧, 未来, start saving for your long-term financial goal(s), 今天. 你也可以试试"不花几天". 有几天你一分钱都不花, may translate into some savings and even help you reach some 财务目标. 记住，从小处着眼，才能赢大.
