The Goal
- What: _________________________________
- Target amount: $________
- Deadline: _____________
- Monthly income: $________
The Math
- Months until deadline: ____
- Monthly savings needed: $________
- Current monthly expenses: $________
- Available after expenses: $________
- Gap to close: $________
Where to Cut
| Area | Current | Reduced To | Savings |
|---|
| | | |
Monthly Tracker
| Month | Target | Saved | Running Total | On Track? |
|---|
| | | | |
Tips to Stay on Track
- Set up automatic transfers on payday — pay yourself first
- Keep a visual reminder of the goal somewhere you see daily
- Review progress monthly — adjust if needed, don't abandon
- Celebrate milestones (25%, 50%, 75%) with small, free rewards