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Tuesday Tip: Small Changes for Big Goals

borrow and trade optionsFinancial goals can often be daunting. Save for a new car. Save for a down payment on a house. Save to pay off credit card debt. These are all goals that most consumers will strive for, and they are all significant expenses. On the surface, these are all huge undertakings. So how do you even begin to work towards achieving any of your big financial goals? Take small steps.

Any worthwhile goal is going to take commitment on your part. However, there is no commitment you can make that will instantly give you the ability to pay off credit card debt or buy a home. That’s why you need to smart with small steps. You can start with any or several of these habits to make it part of your routine to save money for your goal.

  • Minimize takeout food: Limit yourself to one lunch and one dinner each week. If you can do it, eliminate takeout altogether.
  • Quit an expensive habit: Overindulgence of tobacco and alcohol is not only bad for your health, but also for your budget. Other habits like gambling and excessive shopping will also hurt your future goals. This may be a difficult step for some consumers, but if you can drop these habits, then you’ll see your savings grow.
  • Try DIY: If you can learn to fix and maintain things around your home, then you’ll probably be able to save some money as well. The next time you need an oil change or something needs a fix in the house, take to the internet and see if you can do it yourself.
  • Switch brands: Have you gotten used to expensive brands of clothes, and even groceries? Try the less expensive options to save some money. You may even find that you like it better.
  • Automatic savings: Set up a direct deposit so that a portion of your paycheck goes directly into a savings account for your goal.

These are just a few positive habits to help you save money towards a goal. For even more ideas, check out ACCC’s tips to Save By Cutting Back.

To calculate how much and how long it will take to reach any particular goal, check out ACCC’s Saving For a Goal Calculator.

To speak with a certified credit counselor about budgeting and debt management solutions, contact American Consumer Credit Counseling for a free counseling session. Call 800-769-3571.

ABOUT AUTHOR / Andi

Andi is a Marketing Assistant at ACCC. He is passionate about supporting financial literacy efforts and helping to educate people on the Talking Cents blog!

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