Regardless of what your financial goal may be, there are a few basic steps that you’ll need to follow in order to achieve it.

There are many different kinds of financial goals. After all, we all have different financial situations, and while some people might be working hard to save up for retirement, others may just be trying to get out of debt or simply building up an emergency savings account. But, regardless of what your financial goal is, you’ll need to follow a few basic steps in order to achieve it. If you haven’t already, check out Part 1 of this series to learn about the first few steps we touched on. Keep reading to learn more.

Step #4. Change the way you think about saving money.

Though there are some definite exceptions, most financial goals involve saving money, and saving money is not something that comes naturally to most Americans. In fact, Americans are so bad at saving money that the vast majority of us don’t even have $500 in our savings accounts. There are a plethora of reasons why Americans don’t save money, but the only reason that matters in reaching your financial goal is the one that is preventing you from saving. So, take some time to really think about what that is. For many people, a simple change in how you think about saving might make a world of difference, and the mere fact that you have a goal gets you halfway there already. Instead of saving just to save, save for a specific reason. People who plan and have financial goals are generally wealthier and better off than people who just go with the flow.

Step #5. Make it a point to live within your means.

There’s no doubt about it, Americans love their credit cards. According to the Federal Reserve, we’ve accumulated over $853 billion in credit care debt. When you break that number down, the average American household has $16,883 in credit card debt. Whatever your financial goal may be, racking up more and more credit card debt won’t help you reach it, and that’s why it’s so essential that you learn how to live within your means. That means that if you don’t have the money to buy the new iPhone X, you should wait until you do to buy it instead of charging it to your credit card. This can be one of the most difficult financial habits to break, especially if you are used to simply buying what you want when you want it, but it’s an essential step in achieving financial freedom and your financial goal.

Step #6. Don’t be afraid to ask for help.

As we mentioned earlier, there are many different financial goals you could be striving for, and some of them are much more complicated than others. For example, if you’re trying to save up for vacation, you probably don’t need a lot of help. When you start saving, you have a specific amount in mind that you want to save, and then you adjust your budget accordingly. But, if you’re trying to save up for a house or for retirement, things get a bit trickier, and getting professional help could make all of the difference in the world. However, regardless of what financial goal you’re striving for, even if it’s a simple one, it’s always a good idea to get help when you need. That help can come in many forms: moral support from friends and family, information from a financial advisor or even advice from a friend or a colleague who has already accomplished the goal you are trying to reach. No matter what form of help you need, don’t be afraid to ask for it.

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Now that you know about the basic steps you’ll need to take in order to reach your financial goal, download the best financial planning app on the market. Goal Plus can help you set, plan, track and achieve your goals, and it’s chock full of awesome features, like social sharing, vision boards and so much more. The Goal Plus app is designed to keep you motivated and on track like never before, and best of all, it’s absolutely free! Download Goal Plus today.