Have child's teeth straightened. Live well after retirement. Use the grid below to write your goals. Some entries will require money, as in the example below. Others will be action-oriented.
Goal setting is a continuous process.
As you complete some, you can start others. Here's how four families paid off their credit card balances, and the difference their repayment plans made. If they continue to use their annual tax refund and any bonuses or windfalls during the coming months, they will be able to reduce the debt and amount of interest they must pay even further. The best way to reduce interest payments and decrease your outstanding debt is to pay off as much of the debt as possible each month. Many people are surprised at how quickly they can begin to save after changing just one spending habit.