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Using S.M.A.R.T. Goals to Save Up for a Father’s Day Gift

Father’s Day is a special occasion to show our dads how much they mean to us. While heartfelt gestures are invaluable, sometimes we want to give a tangible gift that reflects our appreciation. However, budgeting for such gifts can be challenging, especially if finances are tight. This is where S.M.A.R.T. goals come in handy. By setting Specific, Measurable, Achievable, Relevant, and Time-bound goals, you can systematically save up for that perfect Father’s Day gift without breaking the bank. Here’s how to do it.

By setting Specific, Measurable, Achievable, Relevant, and Time-bound goals, you can systematically save up for that perfect Father's Day gift without breaking the bank.

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The first step in setting a S.M.A.R.T. goal is to be specific about what you want to achieve. Instead of saying, “I want to save money for a Father’s Day gift,” specify the exact gift and its estimated cost. Wether it be a tackle box, tool set, a trip/vacation, concert tickets, sports tickets, grill, cooking set, crafting kits, or a leather wallet, be specific. Let’s create a S.M.A.R.T. example using the leather wallet. For instance, “I want to save $150 to buy a high-quality leather wallet for my dad.” This clarity helps you focus and creates a clear target.

To make your goal even more specific, break it down further. Identify the features of the wallet that make it special: genuine leather, engravings,  RFID protection, multiple card slots, etc. Research where you can find it, either online or in stores, and consider any additional costs such as shipping or taxes. The more detailed your goal, the easier it will be to plan and execute.


A measurable goal allows you to track your progress and stay motivated. In this case, the measurable aspect is the amount of money you need to save. If your goal is to save $155, determine how much you need to set aside each week or month leading up to Father’s Day.

For example, if you have ten weeks until Father’s Day, you need to save $20 per week. Use a savings tracker or a simple spreadsheet to record your weekly savings. Seeing the growing amount will keep you encouraged and on track. Additionally, consider setting smaller milestones. Celebrate when you reach $50, $100, and finally $155. Each milestone achieved will give you a sense of accomplishment and motivation to keep going.


Your goal should be realistic and achievable given your current financial situation. Assess your income and expenses to determine how much you can comfortably save each week. If saving $20 per week feels too tight, adjust your goal or find ways to cut back on non-essential spending.

Look for small sacrifices you can make, such as cooking at home more often, or canceling unused subscriptions. These small changes can add up over time, making your savings goal more attainable. Remember, the aim is to save without causing undue stress or financial strain.


Ensure your goal is relevant to your broader financial situation and personal values. Ask yourself why saving for this particular Father’s Day gift is important to you. Perhaps your dad has always been there for you, and you want to show your appreciation with a meaningful gift. Perhaps you just want to develop better financial planning habits by setting and achieving savings goals.

Stay Motivated

Connecting your goal to a deeper purpose will keep you motivated. It also ensures that this goal aligns with your other financial priorities. For example, if you’re also saving for a vacation or paying off debt, make sure your Father’s Day gift goal complements rather than conflicts with these objectives. You must double check your budget and make sure that you have enough to save for these different things. Also, you need to make sure your most import needs are met, like rent/mortgage, utilities, car note, student loans, credit card debt, etc.


Finally, your goal should be time-bound, meaning it has a clear deadline. In this case, the deadline is Father’s Day. Knowing you have a specific timeframe helps you stay focused and avoid procrastination. Divide the total amount you need by the number of weeks or months until the deadline, as we did earlier. Having a clear end date creates a sense of urgency and helps you prioritize your savings goal. Mark your calendar with key dates, such as when you reach certain savings milestones and, of course, the final goal.


Putting It All Together

By setting a S.M.A.R.T. goal, you can systematically save up for a Father’s Day gift that will make your dad feel appreciated and loved. Here’s a quick recap of the process:

  1. Specific: Identify the exact gift and its cost.
  2. Measurable: Determine how much to save each week or month.
  3. Achievable: Ensure the goal is realistic given your financial situation.
  4. Relevant: Connect the goal to a deeper purpose and align it with other financial priorities.
  5. Time-bound: Set a clear deadline and track your progress towards it.

Remember, the essence of gift-giving is the thought and effort behind it. By using S.M.A.R.T. goals to save up for a Father’s Day gift, you’re not only ensuring that you can afford the gift but also demonstrating your love and appreciation through careful planning and dedication. Happy saving, and here’s to a memorable Father’s Day!

S.M.A.R.T. Goals Become Easier with CreditU

Use the personal finance app CreditU to budget, save, and create financial goals. Not only will CreditU provide you personalized financial education, but it will also keep track of your inputed goals and help you stay motivated along the way.


If you’re struggling to pay off debt, ACCC can help. Schedule a free credit counseling session with us today.


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