There are so many things to look at; it helps to brainstorm and think about financial goals you have for yourself to start. Once you have goals in mind, you can create a game plan and set up your challenge!
Now that you are focused and ready, it is time to start thinking about what you can change regarding your financial situation.
Are there things you want to do but don’t have the liquidity to do? When you decide on your goals for your spending habits, you can also plan to determine your savings goals.
Now that you are organized and have a plan, you can get started! Keeping up with your goals can be challenging at first because you will be breaking old habits and developing new ones.