{"id":2776,"date":"2025-10-07T21:18:35","date_gmt":"2025-10-07T21:18:35","guid":{"rendered":"https:\/\/www.sprucemoney.com\/resource-center\/?p=2776"},"modified":"2025-10-07T21:18:36","modified_gmt":"2025-10-07T21:18:36","slug":"how-to-set-financial-goals","status":"publish","type":"post","link":"https:\/\/www.sprucemoney.com\/resource-center\/planning\/how-to-set-financial-goals\/","title":{"rendered":"How to set financial goals in 6 steps"},"content":{"rendered":"\n<p><em>At-a-Glance:<\/em><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><em>Setting financial goals is beneficial for all, but especially if you\u2019re new to managing money.&nbsp;<\/em><\/li>\n\n\n\n<li><em>Both short-term and long-term financial goals play a role in building financial stability.<\/em><\/li>\n\n\n\n<li><em>A six-step framework can help you set financial goals\u2014reviewing finances, tackling basics such as debt or emergency funds, categorizing goals, setting timelines, getting started, and checking in regularly.<\/em><\/li>\n\n\n\n<li><em>Financial goals should reflect your values and lifestyle\u2014not what others are doing\u2014so they stay meaningful and motivating.<\/em><\/li>\n\n\n\n<li><em>Spruce makes setting goals easy, visual and actionable with features like customized saving goals and budgeting tools.&nbsp;<\/em><\/li>\n<\/ul>\n\n\n\n<p>Creating a financial plan can seem overwhelming, especially if you\u2019re new to managing money. But if you break it down into separate building blocks\u2014meaning tackle your financial goals one by one\u2014things get more manageable. If you\u2019re a financial newbie, you might feel like you don\u2019t have enough money to set meaningful financial goals.<\/p>\n\n\n\n<p>But for real, no matter where you are in your financial journey, setting financial goals can help provide guardrails for your spending and saving decisions. Ready to get started? We\u2019ll cover how to set financial goals in a few simple steps.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-financial-goals-examples\"><a><\/a>Financial goals examples<\/h2>\n\n\n\n<p>Talking about financial goals can sound <em>lofty<\/em> or <em>extra<\/em> and even out of reach for many people. For some, it may not even be clear what a financial goal looks like. Is it a number, a status, or a feeling?<\/p>\n\n\n\n<p>To give us a starting point, we can break it down by timing, into two main types of financial goals: short-term and long-term.<\/p>\n\n\n\n<p>Here are some financial goals examples to get your wheels turning.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Short-term financial goals<\/strong>, such as setting up a monthly budget, putting a deposit on an apartment, or saving for a laptop, can be knocked out within a year \u2014 or even this week! Other examples of short-term goals could be to start an emergency fund, start paying down debt, or start investing. \u00a0<\/li>\n\n\n\n<li><strong>Long-term financial goals <\/strong>might take several years, or even several decades, to complete. They include items like paying cash for a car, saving for a down payment on a home, and saving for retirement.<\/li>\n<\/ul>\n\n\n\n<p>Spruce helps make saving toward your goals easy and helps with some of the emotions that come with financial planning by giving you small but concrete ways to move forward. For example, the saving goal feature lets you name your goal and choose a photo to visualize it, then watch as you grow closer to meeting your goal. It\u2019s like a vision board for your money, with handy tools that help make it a reality.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-6-steps-to-set-financial-goals\"><a><\/a>6 steps to set financial goals<\/h2>\n\n\n\n<p>In the six steps below, we&#8217;ll explain how to define your personal financial goals, or if you\u2019re in charge of your <a href=\"https:\/\/www.sprucemoney.com\/resource-center\/planning\/family-financial-planning-guide\/\">family financial planning. <\/a>&nbsp;<\/p>\n\n\n\n<p><strong>1. Review your finances.<\/strong> Before you set your financial goals, figure out where your finances stand today. <a href=\"https:\/\/www.sprucemoney.com\/resource-center\/planning\/why-is-budgeting-important\/\">Creating a budget<\/a> can help you understand your cash flow, track your income and expenses, and find places to trim so you can start putting money toward your goals.<\/p>\n\n\n\n<p><strong>2. Cover the basics.<\/strong> Working toward a few primary financial goals will help lay a solid foundation for your financial plan. Reducing debt and building an emergency fund are great places to start. Aim to put a little extra money toward your debt each month, especially high interest credit card debt. It\u2019s also important to establish an emergency savings account and save three to six months\u2019 worth of expenses. This will help you cover unexpected costs, such as medical bills or a new transmission, if they crop up.&nbsp;<\/p>\n\n\n\n<p><strong>3. Divide goals into long-term and short-term. <\/strong>Divide your goals into long-term and short-term financial goals. Doing so can help you prioritize which goals to take on first. Also, short-term financial goals often help unlock long-term goals, with a series of small steps adding up to bigger financial moves. For example, a shorter-term goal of improving your credit, can help with a longer-term goal of getting a more affordable home loan.<\/p>\n\n\n\n<p><strong>4. Set a timeline.<\/strong> Give each of your goals a timeline and outline the steps you need to take to reach it. Saving $150 for a pair of wireless headphones? Make it easier on yourself and break the goal into smaller parts. For example, you could save $25 a month for the next six months.<\/p>\n\n\n\n<p><strong>5. Get started, but be realistic. <\/strong>\u00a0As you plan and work toward your goals, they should make sense for you and your values. If you have no desire to go on a luxury vacation, don\u2019t save for one \u2014\u00a0even if it\u2019s what all your friends seem to be doing. Create goals that align with what you want your life to look like and be clear about why you\u2019ve chosen them. Once you know where you\u2019re headed, get started! Start budgeting, saving, or \u201cdoing\u201d whatever tasks are needed to reach your goal.<\/p>\n\n\n\n<p><strong>6. Make time to check in. <\/strong>Put your list of goals somewhere you\u2019ll see them often, so they stay top-of-mind. Regular check-ins can help you keep your financial goals on track. When you check in depends on the goal. Short-term goals might need weekly or monthly check-ins, while you might review long-term goals every six months or each year. If you find you need a little extra time to complete a goal, or if you\u2019re ahead of schedule (congrats!), adjust your goals and timeline as needed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-examples-of-financial-goals-in-real-life\"><a><\/a>Examples of financial goals in real life<\/h2>\n\n\n\n<p>Now that you have the steps to creating financial goals securely under your belt, here are some examples of financial goals in action.<\/p>\n\n\n\n<p>Let\u2019s say your goal is to <a href=\"https:\/\/www.sprucemoney.com\/resource-center\/planning\/how-to-create-a-budget\/\">create a budget<\/a> that accounts for the money you earn and spend. Using the steps above you can plot out what\u2019s needed to accomplish this goal.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Set a timeline:<\/strong> This is a short-term goal, so you may decide to complete your budget within the next month. Write your goal down in a place you\u2019ll see it frequently.<\/li>\n\n\n\n<li><strong>Get started:<\/strong> Now, it\u2019s time to crunch the numbers! Add up your sources of monthly income. Next, add up your necessary expenses, such as <a href=\"https:\/\/www.sprucemoney.com\/resource-center\/planning\/how-much-budget-for-apartment\/\">how much you spend on rent<\/a>, utilities, insurance payments, and groceries. Subtract this number from your income, and you\u2019ll arrive at your discretionary spending. This is the money you use for seeing movies or taking vacations. It\u2019s usually where you can trim first when looking for extra cash to put toward savings.<\/li>\n\n\n\n<li><strong>Make time to check in:<\/strong> Set reminders to review your budget every month, and make changes as needed to help ensure you meet your financial goals. <strong>Spruce users<\/strong>: Just tap into the app at the end of the month to see how you\u2019re doing.<\/li>\n<\/ul>\n\n\n\n<p>Here\u2019s another example. Say one of your financial goals is to save for a beach vacation in 12 months. Following the six steps above can break it down into actionable chunks.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Get started:<\/strong> Make the goal as specific as possible by determining the estimated cost of your dream vacation, including flights, accommodation, meals, and activities. Add a buffer for unexpected expenses. Then, create a dedicated savings account specifically for your vacation fund to avoid temptation to spend the money.<\/li>\n\n\n\n<li><strong>Set a timeline:<\/strong> Break down the total amount of money you\u2019ll need to save into manageable monthly contributions. For instance, if you\u2019d like to save $1,200 for the trip, aim to set aside about $100 each month.<\/li>\n\n\n\n<li><strong>Make time to check in:<\/strong> Stay motivated by checking in regularly. Adjust the amount you save each month as needed if you find yourself ahead of or behind schedule.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-setting-financial-goals-with-spruce\"><a><\/a>Setting financial goals with Spruce<\/h2>\n\n\n\n<p>Spruce has your back as you set up financial goals and work toward them. Spruce takes the pressure out of managing your money, allowing you to quickly and easily:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Set up a budget. <\/strong>Spruce\u2019s <a href=\"https:\/\/www.sprucemoney.com\/budget-tracker-tool\/\">budgeting feature<\/a> simplifies the process of setting up a budget to help you stay on track. It automatically categorizes your transactions and lets you choose which areas to keep a closer eye on with the Watchlist. Get friendly reminders when you\u2019re close to your spending amount in a certain category, or when you exceed it.<\/li>\n\n\n\n<li><strong>Understand how much to save. <\/strong>Spruce has a handy <a href=\"https:\/\/www.sprucemoney.com\/saving-goals\/savings-calculator\/\">savings goal <\/a><a href=\"https:\/\/www.sprucemoney.com\/saving-goals\/savings-calculator\/\">calculator<\/a> that allows you to see how soon you can achieve your financial goal when you commit to saving regularly.&nbsp;<\/li>\n\n\n\n<li><strong>Start saving. <\/strong>The <a href=\"https:\/\/www.sprucemoney.com\/saving-goals\/\">saving goals feature<\/a> from Spruce can help make saving easy. The Spruce app lets you identify and name your goals, then you can consistently put money away for an emergency, a vacation, or even a big purchase on your long-term financial goals list. You can even choose to transfer money to your saving goals automatically. Plus, <a href=\"https:\/\/www.sprucemoney.com\/resource-center\/help\/saving-goals\/what-is-round-up\/\">Spruce\u2019s Round Up<\/a> feature can help you save small amounts and pay yourself every time you make a purchase.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-start-an-account-with-spruce-today\"><a><\/a>Start an account with Spruce today<\/h2>\n\n\n\n<p>From setting saving goals to making budgeting painless, Spruce has many features that can help you manage money and reach your financial goals. Plus, there are no monthly or sign-up fees and no minimum balance requirements with Spruce, so you can keep even more money in your pocket.<\/p>\n\n\n\n<p><a href=\"https:\/\/account.sprucemoney.com\/signup\/\">Get started with Spruce!<\/a><\/p>\n\n\n\n<p><em>This information provided for general educational purposes only. It is not intended as specific financial planning advice as everyone\u2019s financial situation is different.<\/em><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>At-a-Glance: Creating a financial plan can seem overwhelming, especially if you\u2019re new to managing money. But if you break it\u2026<\/p>\n","protected":false},"author":1,"featured_media":224,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[2],"tags":[],"class_list":["post-2776","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-planning"],"acf":[],"yoast_head":"<title>Setting Financial Goals for Your Future | Spruce<\/title>\n<meta name=\"description\" content=\"Not sure where to start with financial goals? 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