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Goal setting 1 15-14
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Reach your Financial Goals Luke Erickson By the end of this module you should be able to: •Designate a financial accountability partner •Create a list or written and prioritized goals •Make your top five goals, SMART goals
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A presentation by Luke Erickson, University of Idaho Extension Educator, on how to set and reach financial goals. This includes setting allowances, using accountability partners, writing down our goals and values, helping members of our household do the same, understand money personalities, make household goals SMART goals, and plug spending leaks.
Transcript of Goal setting 1 15-14
Reach your Financial GoalsLuke Erickson
By the end of this module you should be able tobull Designate a financial
accountability partnerbull Create a list or written and
prioritized goalsbull Make your top five goals
SMART goals
Guilt-free money (Allowance)
bull Worksheet 1
Financial Accountability Partner
bull - Check-in before large purchasesbull - You set the threshold (ex $30)bull - Pros and cons of purchases
Who should be your AP
bull - Spouse parent trusted friend etcbull - Have your best interest in mind
Worksheet
bull Please fill out questions 2 amp 3
What if
Value and goals
bull What is important to youbull Write it downbull Sky is the limitbull Include non-financial goals
Worksheet
Question 4
Household goals
bull Tonighthellipndash Have spouse amp kids write down their goalsndash Equal opportunity to meet goalsndash Find a way to compromise and support each other
fairlybull Take turnsbull Set allowances
The art of compromise
bull Will your lists be the same
Money personalities
bull Balancedbull Youngbull Spontaneousbull Resistantbull Tightwadbull Splurging
Use your strengths
bull Nerds amp Free Spirits
SMART goals example
bull - $50 bike vs $3000 bicyclebull - Balance quality with affordability
SMART goals practicebull Specific Diamondback 2013 Overdrive V with 29-inch
wheelsbull Measurable $39999 on Amazoncom with free shippingbull Agreed Upon Accountability partner agrees that this is a
reasonable large purchasebull Realistic This price is realistic for my budget and suits my
needsbull Time-based If I save up $100 a month I can purchase this
bike in four monthsbull Practice making your own SMART goal
16
SMART Goal Setting WorksheetGoals Rank Amount
NeededBuyDate
Months to Save
StartingDate
Monthly
SavingsNew TV
2 $800 Nov 6 March $100
Therersquos no such thing as NO
bull When you communicate and work together therersquos no such thing as no Itrsquos only a matter of when
bull But you do have to agree ndash Is it a priorityndash Is it fair
18
What would you do with
19
Habits Cost
Item Price Per Year__ 1 Soda a day 60 $21900 1 Candy Bar a day 75 $27375 1 Magazine a week 495 $25740
Spending leaks
bull Worksheet 6
Evaluation
bullSign-up to receive them by email
Newsletter
- Reach your Financial Goals
- Guilt-free money (Allowance)
- Financial Accountability Partner
- Who should be your AP
- Worksheet
- What if
- Value and goals
- Worksheet (2)
- Household goals
- The art of compromise
- Money personalities
- Use your strengths
- Slide 13
- SMART goals example
- SMART goals practice
- SMART Goal Setting Worksheet
- Therersquos no such thing as NO
- What would you do with
- Habits Cost
- Spending leaks
- Evaluation
-
Guilt-free money (Allowance)
bull Worksheet 1
Financial Accountability Partner
bull - Check-in before large purchasesbull - You set the threshold (ex $30)bull - Pros and cons of purchases
Who should be your AP
bull - Spouse parent trusted friend etcbull - Have your best interest in mind
Worksheet
bull Please fill out questions 2 amp 3
What if
Value and goals
bull What is important to youbull Write it downbull Sky is the limitbull Include non-financial goals
Worksheet
Question 4
Household goals
bull Tonighthellipndash Have spouse amp kids write down their goalsndash Equal opportunity to meet goalsndash Find a way to compromise and support each other
fairlybull Take turnsbull Set allowances
The art of compromise
bull Will your lists be the same
Money personalities
bull Balancedbull Youngbull Spontaneousbull Resistantbull Tightwadbull Splurging
Use your strengths
bull Nerds amp Free Spirits
SMART goals example
bull - $50 bike vs $3000 bicyclebull - Balance quality with affordability
SMART goals practicebull Specific Diamondback 2013 Overdrive V with 29-inch
wheelsbull Measurable $39999 on Amazoncom with free shippingbull Agreed Upon Accountability partner agrees that this is a
reasonable large purchasebull Realistic This price is realistic for my budget and suits my
needsbull Time-based If I save up $100 a month I can purchase this
bike in four monthsbull Practice making your own SMART goal
16
SMART Goal Setting WorksheetGoals Rank Amount
NeededBuyDate
Months to Save
StartingDate
Monthly
SavingsNew TV
2 $800 Nov 6 March $100
Therersquos no such thing as NO
bull When you communicate and work together therersquos no such thing as no Itrsquos only a matter of when
bull But you do have to agree ndash Is it a priorityndash Is it fair
18
What would you do with
19
Habits Cost
Item Price Per Year__ 1 Soda a day 60 $21900 1 Candy Bar a day 75 $27375 1 Magazine a week 495 $25740
Spending leaks
bull Worksheet 6
Evaluation
bullSign-up to receive them by email
Newsletter
- Reach your Financial Goals
- Guilt-free money (Allowance)
- Financial Accountability Partner
- Who should be your AP
- Worksheet
- What if
- Value and goals
- Worksheet (2)
- Household goals
- The art of compromise
- Money personalities
- Use your strengths
- Slide 13
- SMART goals example
- SMART goals practice
- SMART Goal Setting Worksheet
- Therersquos no such thing as NO
- What would you do with
- Habits Cost
- Spending leaks
- Evaluation
-
Financial Accountability Partner
bull - Check-in before large purchasesbull - You set the threshold (ex $30)bull - Pros and cons of purchases
Who should be your AP
bull - Spouse parent trusted friend etcbull - Have your best interest in mind
Worksheet
bull Please fill out questions 2 amp 3
What if
Value and goals
bull What is important to youbull Write it downbull Sky is the limitbull Include non-financial goals
Worksheet
Question 4
Household goals
bull Tonighthellipndash Have spouse amp kids write down their goalsndash Equal opportunity to meet goalsndash Find a way to compromise and support each other
fairlybull Take turnsbull Set allowances
The art of compromise
bull Will your lists be the same
Money personalities
bull Balancedbull Youngbull Spontaneousbull Resistantbull Tightwadbull Splurging
Use your strengths
bull Nerds amp Free Spirits
SMART goals example
bull - $50 bike vs $3000 bicyclebull - Balance quality with affordability
SMART goals practicebull Specific Diamondback 2013 Overdrive V with 29-inch
wheelsbull Measurable $39999 on Amazoncom with free shippingbull Agreed Upon Accountability partner agrees that this is a
reasonable large purchasebull Realistic This price is realistic for my budget and suits my
needsbull Time-based If I save up $100 a month I can purchase this
bike in four monthsbull Practice making your own SMART goal
16
SMART Goal Setting WorksheetGoals Rank Amount
NeededBuyDate
Months to Save
StartingDate
Monthly
SavingsNew TV
2 $800 Nov 6 March $100
Therersquos no such thing as NO
bull When you communicate and work together therersquos no such thing as no Itrsquos only a matter of when
bull But you do have to agree ndash Is it a priorityndash Is it fair
18
What would you do with
19
Habits Cost
Item Price Per Year__ 1 Soda a day 60 $21900 1 Candy Bar a day 75 $27375 1 Magazine a week 495 $25740
Spending leaks
bull Worksheet 6
Evaluation
bullSign-up to receive them by email
Newsletter
- Reach your Financial Goals
- Guilt-free money (Allowance)
- Financial Accountability Partner
- Who should be your AP
- Worksheet
- What if
- Value and goals
- Worksheet (2)
- Household goals
- The art of compromise
- Money personalities
- Use your strengths
- Slide 13
- SMART goals example
- SMART goals practice
- SMART Goal Setting Worksheet
- Therersquos no such thing as NO
- What would you do with
- Habits Cost
- Spending leaks
- Evaluation
-
Who should be your AP
bull - Spouse parent trusted friend etcbull - Have your best interest in mind
Worksheet
bull Please fill out questions 2 amp 3
What if
Value and goals
bull What is important to youbull Write it downbull Sky is the limitbull Include non-financial goals
Worksheet
Question 4
Household goals
bull Tonighthellipndash Have spouse amp kids write down their goalsndash Equal opportunity to meet goalsndash Find a way to compromise and support each other
fairlybull Take turnsbull Set allowances
The art of compromise
bull Will your lists be the same
Money personalities
bull Balancedbull Youngbull Spontaneousbull Resistantbull Tightwadbull Splurging
Use your strengths
bull Nerds amp Free Spirits
SMART goals example
bull - $50 bike vs $3000 bicyclebull - Balance quality with affordability
SMART goals practicebull Specific Diamondback 2013 Overdrive V with 29-inch
wheelsbull Measurable $39999 on Amazoncom with free shippingbull Agreed Upon Accountability partner agrees that this is a
reasonable large purchasebull Realistic This price is realistic for my budget and suits my
needsbull Time-based If I save up $100 a month I can purchase this
bike in four monthsbull Practice making your own SMART goal
16
SMART Goal Setting WorksheetGoals Rank Amount
NeededBuyDate
Months to Save
StartingDate
Monthly
SavingsNew TV
2 $800 Nov 6 March $100
Therersquos no such thing as NO
bull When you communicate and work together therersquos no such thing as no Itrsquos only a matter of when
bull But you do have to agree ndash Is it a priorityndash Is it fair
18
What would you do with
19
Habits Cost
Item Price Per Year__ 1 Soda a day 60 $21900 1 Candy Bar a day 75 $27375 1 Magazine a week 495 $25740
Spending leaks
bull Worksheet 6
Evaluation
bullSign-up to receive them by email
Newsletter
- Reach your Financial Goals
- Guilt-free money (Allowance)
- Financial Accountability Partner
- Who should be your AP
- Worksheet
- What if
- Value and goals
- Worksheet (2)
- Household goals
- The art of compromise
- Money personalities
- Use your strengths
- Slide 13
- SMART goals example
- SMART goals practice
- SMART Goal Setting Worksheet
- Therersquos no such thing as NO
- What would you do with
- Habits Cost
- Spending leaks
- Evaluation
-
Worksheet
bull Please fill out questions 2 amp 3
What if
Value and goals
bull What is important to youbull Write it downbull Sky is the limitbull Include non-financial goals
Worksheet
Question 4
Household goals
bull Tonighthellipndash Have spouse amp kids write down their goalsndash Equal opportunity to meet goalsndash Find a way to compromise and support each other
fairlybull Take turnsbull Set allowances
The art of compromise
bull Will your lists be the same
Money personalities
bull Balancedbull Youngbull Spontaneousbull Resistantbull Tightwadbull Splurging
Use your strengths
bull Nerds amp Free Spirits
SMART goals example
bull - $50 bike vs $3000 bicyclebull - Balance quality with affordability
SMART goals practicebull Specific Diamondback 2013 Overdrive V with 29-inch
wheelsbull Measurable $39999 on Amazoncom with free shippingbull Agreed Upon Accountability partner agrees that this is a
reasonable large purchasebull Realistic This price is realistic for my budget and suits my
needsbull Time-based If I save up $100 a month I can purchase this
bike in four monthsbull Practice making your own SMART goal
16
SMART Goal Setting WorksheetGoals Rank Amount
NeededBuyDate
Months to Save
StartingDate
Monthly
SavingsNew TV
2 $800 Nov 6 March $100
Therersquos no such thing as NO
bull When you communicate and work together therersquos no such thing as no Itrsquos only a matter of when
bull But you do have to agree ndash Is it a priorityndash Is it fair
18
What would you do with
19
Habits Cost
Item Price Per Year__ 1 Soda a day 60 $21900 1 Candy Bar a day 75 $27375 1 Magazine a week 495 $25740
Spending leaks
bull Worksheet 6
Evaluation
bullSign-up to receive them by email
Newsletter
- Reach your Financial Goals
- Guilt-free money (Allowance)
- Financial Accountability Partner
- Who should be your AP
- Worksheet
- What if
- Value and goals
- Worksheet (2)
- Household goals
- The art of compromise
- Money personalities
- Use your strengths
- Slide 13
- SMART goals example
- SMART goals practice
- SMART Goal Setting Worksheet
- Therersquos no such thing as NO
- What would you do with
- Habits Cost
- Spending leaks
- Evaluation
-
What if
Value and goals
bull What is important to youbull Write it downbull Sky is the limitbull Include non-financial goals
Worksheet
Question 4
Household goals
bull Tonighthellipndash Have spouse amp kids write down their goalsndash Equal opportunity to meet goalsndash Find a way to compromise and support each other
fairlybull Take turnsbull Set allowances
The art of compromise
bull Will your lists be the same
Money personalities
bull Balancedbull Youngbull Spontaneousbull Resistantbull Tightwadbull Splurging
Use your strengths
bull Nerds amp Free Spirits
SMART goals example
bull - $50 bike vs $3000 bicyclebull - Balance quality with affordability
SMART goals practicebull Specific Diamondback 2013 Overdrive V with 29-inch
wheelsbull Measurable $39999 on Amazoncom with free shippingbull Agreed Upon Accountability partner agrees that this is a
reasonable large purchasebull Realistic This price is realistic for my budget and suits my
needsbull Time-based If I save up $100 a month I can purchase this
bike in four monthsbull Practice making your own SMART goal
16
SMART Goal Setting WorksheetGoals Rank Amount
NeededBuyDate
Months to Save
StartingDate
Monthly
SavingsNew TV
2 $800 Nov 6 March $100
Therersquos no such thing as NO
bull When you communicate and work together therersquos no such thing as no Itrsquos only a matter of when
bull But you do have to agree ndash Is it a priorityndash Is it fair
18
What would you do with
19
Habits Cost
Item Price Per Year__ 1 Soda a day 60 $21900 1 Candy Bar a day 75 $27375 1 Magazine a week 495 $25740
Spending leaks
bull Worksheet 6
Evaluation
bullSign-up to receive them by email
Newsletter
- Reach your Financial Goals
- Guilt-free money (Allowance)
- Financial Accountability Partner
- Who should be your AP
- Worksheet
- What if
- Value and goals
- Worksheet (2)
- Household goals
- The art of compromise
- Money personalities
- Use your strengths
- Slide 13
- SMART goals example
- SMART goals practice
- SMART Goal Setting Worksheet
- Therersquos no such thing as NO
- What would you do with
- Habits Cost
- Spending leaks
- Evaluation
-
Value and goals
bull What is important to youbull Write it downbull Sky is the limitbull Include non-financial goals
Worksheet
Question 4
Household goals
bull Tonighthellipndash Have spouse amp kids write down their goalsndash Equal opportunity to meet goalsndash Find a way to compromise and support each other
fairlybull Take turnsbull Set allowances
The art of compromise
bull Will your lists be the same
Money personalities
bull Balancedbull Youngbull Spontaneousbull Resistantbull Tightwadbull Splurging
Use your strengths
bull Nerds amp Free Spirits
SMART goals example
bull - $50 bike vs $3000 bicyclebull - Balance quality with affordability
SMART goals practicebull Specific Diamondback 2013 Overdrive V with 29-inch
wheelsbull Measurable $39999 on Amazoncom with free shippingbull Agreed Upon Accountability partner agrees that this is a
reasonable large purchasebull Realistic This price is realistic for my budget and suits my
needsbull Time-based If I save up $100 a month I can purchase this
bike in four monthsbull Practice making your own SMART goal
16
SMART Goal Setting WorksheetGoals Rank Amount
NeededBuyDate
Months to Save
StartingDate
Monthly
SavingsNew TV
2 $800 Nov 6 March $100
Therersquos no such thing as NO
bull When you communicate and work together therersquos no such thing as no Itrsquos only a matter of when
bull But you do have to agree ndash Is it a priorityndash Is it fair
18
What would you do with
19
Habits Cost
Item Price Per Year__ 1 Soda a day 60 $21900 1 Candy Bar a day 75 $27375 1 Magazine a week 495 $25740
Spending leaks
bull Worksheet 6
Evaluation
bullSign-up to receive them by email
Newsletter
- Reach your Financial Goals
- Guilt-free money (Allowance)
- Financial Accountability Partner
- Who should be your AP
- Worksheet
- What if
- Value and goals
- Worksheet (2)
- Household goals
- The art of compromise
- Money personalities
- Use your strengths
- Slide 13
- SMART goals example
- SMART goals practice
- SMART Goal Setting Worksheet
- Therersquos no such thing as NO
- What would you do with
- Habits Cost
- Spending leaks
- Evaluation
-
Worksheet
Question 4
Household goals
bull Tonighthellipndash Have spouse amp kids write down their goalsndash Equal opportunity to meet goalsndash Find a way to compromise and support each other
fairlybull Take turnsbull Set allowances
The art of compromise
bull Will your lists be the same
Money personalities
bull Balancedbull Youngbull Spontaneousbull Resistantbull Tightwadbull Splurging
Use your strengths
bull Nerds amp Free Spirits
SMART goals example
bull - $50 bike vs $3000 bicyclebull - Balance quality with affordability
SMART goals practicebull Specific Diamondback 2013 Overdrive V with 29-inch
wheelsbull Measurable $39999 on Amazoncom with free shippingbull Agreed Upon Accountability partner agrees that this is a
reasonable large purchasebull Realistic This price is realistic for my budget and suits my
needsbull Time-based If I save up $100 a month I can purchase this
bike in four monthsbull Practice making your own SMART goal
16
SMART Goal Setting WorksheetGoals Rank Amount
NeededBuyDate
Months to Save
StartingDate
Monthly
SavingsNew TV
2 $800 Nov 6 March $100
Therersquos no such thing as NO
bull When you communicate and work together therersquos no such thing as no Itrsquos only a matter of when
bull But you do have to agree ndash Is it a priorityndash Is it fair
18
What would you do with
19
Habits Cost
Item Price Per Year__ 1 Soda a day 60 $21900 1 Candy Bar a day 75 $27375 1 Magazine a week 495 $25740
Spending leaks
bull Worksheet 6
Evaluation
bullSign-up to receive them by email
Newsletter
- Reach your Financial Goals
- Guilt-free money (Allowance)
- Financial Accountability Partner
- Who should be your AP
- Worksheet
- What if
- Value and goals
- Worksheet (2)
- Household goals
- The art of compromise
- Money personalities
- Use your strengths
- Slide 13
- SMART goals example
- SMART goals practice
- SMART Goal Setting Worksheet
- Therersquos no such thing as NO
- What would you do with
- Habits Cost
- Spending leaks
- Evaluation
-
Household goals
bull Tonighthellipndash Have spouse amp kids write down their goalsndash Equal opportunity to meet goalsndash Find a way to compromise and support each other
fairlybull Take turnsbull Set allowances
The art of compromise
bull Will your lists be the same
Money personalities
bull Balancedbull Youngbull Spontaneousbull Resistantbull Tightwadbull Splurging
Use your strengths
bull Nerds amp Free Spirits
SMART goals example
bull - $50 bike vs $3000 bicyclebull - Balance quality with affordability
SMART goals practicebull Specific Diamondback 2013 Overdrive V with 29-inch
wheelsbull Measurable $39999 on Amazoncom with free shippingbull Agreed Upon Accountability partner agrees that this is a
reasonable large purchasebull Realistic This price is realistic for my budget and suits my
needsbull Time-based If I save up $100 a month I can purchase this
bike in four monthsbull Practice making your own SMART goal
16
SMART Goal Setting WorksheetGoals Rank Amount
NeededBuyDate
Months to Save
StartingDate
Monthly
SavingsNew TV
2 $800 Nov 6 March $100
Therersquos no such thing as NO
bull When you communicate and work together therersquos no such thing as no Itrsquos only a matter of when
bull But you do have to agree ndash Is it a priorityndash Is it fair
18
What would you do with
19
Habits Cost
Item Price Per Year__ 1 Soda a day 60 $21900 1 Candy Bar a day 75 $27375 1 Magazine a week 495 $25740
Spending leaks
bull Worksheet 6
Evaluation
bullSign-up to receive them by email
Newsletter
- Reach your Financial Goals
- Guilt-free money (Allowance)
- Financial Accountability Partner
- Who should be your AP
- Worksheet
- What if
- Value and goals
- Worksheet (2)
- Household goals
- The art of compromise
- Money personalities
- Use your strengths
- Slide 13
- SMART goals example
- SMART goals practice
- SMART Goal Setting Worksheet
- Therersquos no such thing as NO
- What would you do with
- Habits Cost
- Spending leaks
- Evaluation
-
The art of compromise
bull Will your lists be the same
Money personalities
bull Balancedbull Youngbull Spontaneousbull Resistantbull Tightwadbull Splurging
Use your strengths
bull Nerds amp Free Spirits
SMART goals example
bull - $50 bike vs $3000 bicyclebull - Balance quality with affordability
SMART goals practicebull Specific Diamondback 2013 Overdrive V with 29-inch
wheelsbull Measurable $39999 on Amazoncom with free shippingbull Agreed Upon Accountability partner agrees that this is a
reasonable large purchasebull Realistic This price is realistic for my budget and suits my
needsbull Time-based If I save up $100 a month I can purchase this
bike in four monthsbull Practice making your own SMART goal
16
SMART Goal Setting WorksheetGoals Rank Amount
NeededBuyDate
Months to Save
StartingDate
Monthly
SavingsNew TV
2 $800 Nov 6 March $100
Therersquos no such thing as NO
bull When you communicate and work together therersquos no such thing as no Itrsquos only a matter of when
bull But you do have to agree ndash Is it a priorityndash Is it fair
18
What would you do with
19
Habits Cost
Item Price Per Year__ 1 Soda a day 60 $21900 1 Candy Bar a day 75 $27375 1 Magazine a week 495 $25740
Spending leaks
bull Worksheet 6
Evaluation
bullSign-up to receive them by email
Newsletter
- Reach your Financial Goals
- Guilt-free money (Allowance)
- Financial Accountability Partner
- Who should be your AP
- Worksheet
- What if
- Value and goals
- Worksheet (2)
- Household goals
- The art of compromise
- Money personalities
- Use your strengths
- Slide 13
- SMART goals example
- SMART goals practice
- SMART Goal Setting Worksheet
- Therersquos no such thing as NO
- What would you do with
- Habits Cost
- Spending leaks
- Evaluation
-
Money personalities
bull Balancedbull Youngbull Spontaneousbull Resistantbull Tightwadbull Splurging
Use your strengths
bull Nerds amp Free Spirits
SMART goals example
bull - $50 bike vs $3000 bicyclebull - Balance quality with affordability
SMART goals practicebull Specific Diamondback 2013 Overdrive V with 29-inch
wheelsbull Measurable $39999 on Amazoncom with free shippingbull Agreed Upon Accountability partner agrees that this is a
reasonable large purchasebull Realistic This price is realistic for my budget and suits my
needsbull Time-based If I save up $100 a month I can purchase this
bike in four monthsbull Practice making your own SMART goal
16
SMART Goal Setting WorksheetGoals Rank Amount
NeededBuyDate
Months to Save
StartingDate
Monthly
SavingsNew TV
2 $800 Nov 6 March $100
Therersquos no such thing as NO
bull When you communicate and work together therersquos no such thing as no Itrsquos only a matter of when
bull But you do have to agree ndash Is it a priorityndash Is it fair
18
What would you do with
19
Habits Cost
Item Price Per Year__ 1 Soda a day 60 $21900 1 Candy Bar a day 75 $27375 1 Magazine a week 495 $25740
Spending leaks
bull Worksheet 6
Evaluation
bullSign-up to receive them by email
Newsletter
- Reach your Financial Goals
- Guilt-free money (Allowance)
- Financial Accountability Partner
- Who should be your AP
- Worksheet
- What if
- Value and goals
- Worksheet (2)
- Household goals
- The art of compromise
- Money personalities
- Use your strengths
- Slide 13
- SMART goals example
- SMART goals practice
- SMART Goal Setting Worksheet
- Therersquos no such thing as NO
- What would you do with
- Habits Cost
- Spending leaks
- Evaluation
-
Use your strengths
bull Nerds amp Free Spirits
SMART goals example
bull - $50 bike vs $3000 bicyclebull - Balance quality with affordability
SMART goals practicebull Specific Diamondback 2013 Overdrive V with 29-inch
wheelsbull Measurable $39999 on Amazoncom with free shippingbull Agreed Upon Accountability partner agrees that this is a
reasonable large purchasebull Realistic This price is realistic for my budget and suits my
needsbull Time-based If I save up $100 a month I can purchase this
bike in four monthsbull Practice making your own SMART goal
16
SMART Goal Setting WorksheetGoals Rank Amount
NeededBuyDate
Months to Save
StartingDate
Monthly
SavingsNew TV
2 $800 Nov 6 March $100
Therersquos no such thing as NO
bull When you communicate and work together therersquos no such thing as no Itrsquos only a matter of when
bull But you do have to agree ndash Is it a priorityndash Is it fair
18
What would you do with
19
Habits Cost
Item Price Per Year__ 1 Soda a day 60 $21900 1 Candy Bar a day 75 $27375 1 Magazine a week 495 $25740
Spending leaks
bull Worksheet 6
Evaluation
bullSign-up to receive them by email
Newsletter
- Reach your Financial Goals
- Guilt-free money (Allowance)
- Financial Accountability Partner
- Who should be your AP
- Worksheet
- What if
- Value and goals
- Worksheet (2)
- Household goals
- The art of compromise
- Money personalities
- Use your strengths
- Slide 13
- SMART goals example
- SMART goals practice
- SMART Goal Setting Worksheet
- Therersquos no such thing as NO
- What would you do with
- Habits Cost
- Spending leaks
- Evaluation
-
SMART goals example
bull - $50 bike vs $3000 bicyclebull - Balance quality with affordability
SMART goals practicebull Specific Diamondback 2013 Overdrive V with 29-inch
wheelsbull Measurable $39999 on Amazoncom with free shippingbull Agreed Upon Accountability partner agrees that this is a
reasonable large purchasebull Realistic This price is realistic for my budget and suits my
needsbull Time-based If I save up $100 a month I can purchase this
bike in four monthsbull Practice making your own SMART goal
16
SMART Goal Setting WorksheetGoals Rank Amount
NeededBuyDate
Months to Save
StartingDate
Monthly
SavingsNew TV
2 $800 Nov 6 March $100
Therersquos no such thing as NO
bull When you communicate and work together therersquos no such thing as no Itrsquos only a matter of when
bull But you do have to agree ndash Is it a priorityndash Is it fair
18
What would you do with
19
Habits Cost
Item Price Per Year__ 1 Soda a day 60 $21900 1 Candy Bar a day 75 $27375 1 Magazine a week 495 $25740
Spending leaks
bull Worksheet 6
Evaluation
bullSign-up to receive them by email
Newsletter
- Reach your Financial Goals
- Guilt-free money (Allowance)
- Financial Accountability Partner
- Who should be your AP
- Worksheet
- What if
- Value and goals
- Worksheet (2)
- Household goals
- The art of compromise
- Money personalities
- Use your strengths
- Slide 13
- SMART goals example
- SMART goals practice
- SMART Goal Setting Worksheet
- Therersquos no such thing as NO
- What would you do with
- Habits Cost
- Spending leaks
- Evaluation
-
SMART goals practicebull Specific Diamondback 2013 Overdrive V with 29-inch
wheelsbull Measurable $39999 on Amazoncom with free shippingbull Agreed Upon Accountability partner agrees that this is a
reasonable large purchasebull Realistic This price is realistic for my budget and suits my
needsbull Time-based If I save up $100 a month I can purchase this
bike in four monthsbull Practice making your own SMART goal
16
SMART Goal Setting WorksheetGoals Rank Amount
NeededBuyDate
Months to Save
StartingDate
Monthly
SavingsNew TV
2 $800 Nov 6 March $100
Therersquos no such thing as NO
bull When you communicate and work together therersquos no such thing as no Itrsquos only a matter of when
bull But you do have to agree ndash Is it a priorityndash Is it fair
18
What would you do with
19
Habits Cost
Item Price Per Year__ 1 Soda a day 60 $21900 1 Candy Bar a day 75 $27375 1 Magazine a week 495 $25740
Spending leaks
bull Worksheet 6
Evaluation
bullSign-up to receive them by email
Newsletter
- Reach your Financial Goals
- Guilt-free money (Allowance)
- Financial Accountability Partner
- Who should be your AP
- Worksheet
- What if
- Value and goals
- Worksheet (2)
- Household goals
- The art of compromise
- Money personalities
- Use your strengths
- Slide 13
- SMART goals example
- SMART goals practice
- SMART Goal Setting Worksheet
- Therersquos no such thing as NO
- What would you do with
- Habits Cost
- Spending leaks
- Evaluation
-
16
SMART Goal Setting WorksheetGoals Rank Amount
NeededBuyDate
Months to Save
StartingDate
Monthly
SavingsNew TV
2 $800 Nov 6 March $100
Therersquos no such thing as NO
bull When you communicate and work together therersquos no such thing as no Itrsquos only a matter of when
bull But you do have to agree ndash Is it a priorityndash Is it fair
18
What would you do with
19
Habits Cost
Item Price Per Year__ 1 Soda a day 60 $21900 1 Candy Bar a day 75 $27375 1 Magazine a week 495 $25740
Spending leaks
bull Worksheet 6
Evaluation
bullSign-up to receive them by email
Newsletter
- Reach your Financial Goals
- Guilt-free money (Allowance)
- Financial Accountability Partner
- Who should be your AP
- Worksheet
- What if
- Value and goals
- Worksheet (2)
- Household goals
- The art of compromise
- Money personalities
- Use your strengths
- Slide 13
- SMART goals example
- SMART goals practice
- SMART Goal Setting Worksheet
- Therersquos no such thing as NO
- What would you do with
- Habits Cost
- Spending leaks
- Evaluation
-
Therersquos no such thing as NO
bull When you communicate and work together therersquos no such thing as no Itrsquos only a matter of when
bull But you do have to agree ndash Is it a priorityndash Is it fair
18
What would you do with
19
Habits Cost
Item Price Per Year__ 1 Soda a day 60 $21900 1 Candy Bar a day 75 $27375 1 Magazine a week 495 $25740
Spending leaks
bull Worksheet 6
Evaluation
bullSign-up to receive them by email
Newsletter
- Reach your Financial Goals
- Guilt-free money (Allowance)
- Financial Accountability Partner
- Who should be your AP
- Worksheet
- What if
- Value and goals
- Worksheet (2)
- Household goals
- The art of compromise
- Money personalities
- Use your strengths
- Slide 13
- SMART goals example
- SMART goals practice
- SMART Goal Setting Worksheet
- Therersquos no such thing as NO
- What would you do with
- Habits Cost
- Spending leaks
- Evaluation
-
18
What would you do with
19
Habits Cost
Item Price Per Year__ 1 Soda a day 60 $21900 1 Candy Bar a day 75 $27375 1 Magazine a week 495 $25740
Spending leaks
bull Worksheet 6
Evaluation
bullSign-up to receive them by email
Newsletter
- Reach your Financial Goals
- Guilt-free money (Allowance)
- Financial Accountability Partner
- Who should be your AP
- Worksheet
- What if
- Value and goals
- Worksheet (2)
- Household goals
- The art of compromise
- Money personalities
- Use your strengths
- Slide 13
- SMART goals example
- SMART goals practice
- SMART Goal Setting Worksheet
- Therersquos no such thing as NO
- What would you do with
- Habits Cost
- Spending leaks
- Evaluation
-
19
Habits Cost
Item Price Per Year__ 1 Soda a day 60 $21900 1 Candy Bar a day 75 $27375 1 Magazine a week 495 $25740
Spending leaks
bull Worksheet 6
Evaluation
bullSign-up to receive them by email
Newsletter
- Reach your Financial Goals
- Guilt-free money (Allowance)
- Financial Accountability Partner
- Who should be your AP
- Worksheet
- What if
- Value and goals
- Worksheet (2)
- Household goals
- The art of compromise
- Money personalities
- Use your strengths
- Slide 13
- SMART goals example
- SMART goals practice
- SMART Goal Setting Worksheet
- Therersquos no such thing as NO
- What would you do with
- Habits Cost
- Spending leaks
- Evaluation
-
Spending leaks
bull Worksheet 6
Evaluation
bullSign-up to receive them by email
Newsletter
- Reach your Financial Goals
- Guilt-free money (Allowance)
- Financial Accountability Partner
- Who should be your AP
- Worksheet
- What if
- Value and goals
- Worksheet (2)
- Household goals
- The art of compromise
- Money personalities
- Use your strengths
- Slide 13
- SMART goals example
- SMART goals practice
- SMART Goal Setting Worksheet
- Therersquos no such thing as NO
- What would you do with
- Habits Cost
- Spending leaks
- Evaluation
-
Evaluation
bullSign-up to receive them by email
Newsletter
- Reach your Financial Goals
- Guilt-free money (Allowance)
- Financial Accountability Partner
- Who should be your AP
- Worksheet
- What if
- Value and goals
- Worksheet (2)
- Household goals
- The art of compromise
- Money personalities
- Use your strengths
- Slide 13
- SMART goals example
- SMART goals practice
- SMART Goal Setting Worksheet
- Therersquos no such thing as NO
- What would you do with
- Habits Cost
- Spending leaks
- Evaluation
-
