getting ahead

​Getting ahead financially doesn’t happen overnight, but with the right approach and a few simple steps, it's possible.

 

It’s not just about how much money you make; it’s about what you do with it.  Whether you’re saving for a big goal or just want to feel more in control of your finances, the key is to create a plan that works for you and stick with it.

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Here’s how to get started:

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1. Know Your “Why”

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The key to sticking with any goal is motivation. Ask yourself: Why does this matter to me?

Is it to get out of debt, save for your first home, go on a family holiday, or simply feel less stressed about money?

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When you’re clear on your “why,” it becomes easier to stay focused and gives you the motivation to keep going, especially when if it feels hard.  Write it down and keep it somewhere visible.  Let it remind you of what you’re working toward.

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2. Start Small and Build Momentum

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It’s easy to get excited and set big goals, but trying to save too much too soon can feel overwhelming.  Instead, start small. For example, begin by saving $80 a month, then increase it over time.

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When you achieve smaller goals, it boosts your confidence and keeps you motivated.

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3. Turn Your Goal into a Clear Plan

Saying “I want to save for a holiday” is a great start, but it’s not specific enough.  Break it down into small steps.

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Example:

• Save $2,000 for a holiday in nine months.

• Save $222 a month, cut back on non-essential spending by $55, and set up automatic transfers to a separate “holiday fund” bank account.

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When your plan is clear and broken into manageable steps, it’s much easier to stay on track.

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3. Track Your Progress

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Seeing your progress can be one of the biggest motivators.  Whether it’s watching your savings grow or your debt decrease, it’s rewarding to see how far you've come.

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The key is to track consistently.  It keeps you accountable and reminds you that you're making progress.

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4. Be Flexible When Life Happens

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Life happens. Unexpected expenses, job changes, or emergencies can throw off your plans. Instead of giving up, adapt.

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If you can’t save as much this month, that’s okay, adjust your plan and keep moving forward. Flexibility helps you stay on track even when things don’t go as planned.

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5. Give Yourself a Realistic Timeline

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Big goals take time, and that’s okay. Setting a realistic timeline removes pressure and sets you up for success.

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For example, instead of aiming to pay off a debt in three months, you might stretch it to six, and save a little for emergencies at the same time. Consistency matters more than speed.

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6. Pay Down Debt

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Debt can weigh you down, especially if it comes with high interest rates.  Focus on paying off either:

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• The smallest balances first  

or

• The highest interest ones

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Every payment moves you closer to being debt-free.  Whichever method you follow, take a moment to recognise your progress along the way.

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7. Set Up Automation

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Automating your accounts helps you stay consistent without needing to think about it and ensures you never miss a payment.

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Set up automatic transfers to savings or automatic payments for bills and debts.  This reduces the risk of missed payments and helps you stay on track to reach your goals.

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8. Celebrate Your Small Wins

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It’s easy to stay focused on the end goal and forget how far you’ve come.  But recognizing your progress is what keeps you motivated.

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Paid off a credit card? Saved $500? Take a moment to acknowledge it.  You’re making real progress, and that deserves to be celebrated.

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Reaching your financial goals won't always be easy, but it is possible, one step at a time.  With clear goals, consistent action, and the flexibility to adjust when life changes, you’ll keep moving forward.  Stay patient, stay focused, and trust that progress, no matter how small, adds up over time.

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