If you want to keep yourself motivated to save money or change your attitude towards money, you need to be able to identify at least one benefit you’ll gain by making those changes.

For example:

• Do you want to save more money so you don’t end up poor when you’re old?
• Do you want to set up an emergency fund, so when something bad happens, you can deal with it?
• Do you want to get out of consumer debt so you’re not always worrying about a potential disaster?

To quote the Spice Girls  – Tell me what you want, what you really really want.

Or – tell yourself! Everyone is different. For me – being financially solvent means I don’t have to worry. I don’t have to stay in a job I hate because I don’t live paycheck to paycheck. I can buy my husband the odd set of LEGO (on sale, of course!), and treat my nieces or my parents to an outing without worrying I’ll go into overdraft.

If you’re not sure what’s the most important thing to you – you may want to sit down and do some brainstorming.  Ask yourself the following questions:

• What makes you happy?
• What defines who you are?
• Where do you wish you were in your life?

After that, write down the goals you want to achieve over the next year, two years, and five years.  Then rank your goals in order of importance.

Ta-da! Don’t you feel awesome now?

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