Reaching Your Financial Goals: Simple Strategies for Success

A lack of plan is by far the #1 reason why people fail to reach any goal. It’s not enough to just have financial goals, you need a specific plan to reach a goal.

We’ve seen members with so many different financial goals — from affording college, paying off debt, starting a business, buying a home to saving for retirement — and everything in between.

From working with generations of members, we've received great insights into what really helps you achieve your financials goals:

Go easy on yourself.

Most months you’re putting a little extra in savings while sometimes your dog eating a sock takes priority. That’s okay. The beauty of having financial goals is you keep focused on something you want. Setbacks are expected, but won’t stop you.

Small goal, big payoff.

You could simply set a general goal to be a millionaire and hope for the best (we actually have a calculator for that). But, setting a more reasonable and specific goal like paying an extra $100 monthly on your car loan builds tremendous results faster than you realize. This is a specific goal that has multiple levels of benefit for you, including saving on interest, owning your car sooner and then putting that money toward your next financial goal.

Mind over money.

Once you list specific goals, your mind has to be onboard too. Everyone knows social media is more highlight reel than real life, but FOMO can trick your mind into budget-busting overspending to keep up with unrealistic standards (we have a quiz to see if this is you).

Use the tools in your toolbox.

We provide a ton of free financial tools to help you build your plan. Our digital banking lets you see your credit score in real time (better score = better rates and money saved). It also has budgeting and tracking tools so you know how much you spent on food, dog, gym…you get it. Members also have access to a variety of learning tools, calculators, and free personalized financial counseling too.

Recognize your triggers.

Whether it’s eating out or unplanned events, your plan suffers. Be aware of what triggers budget-busting for you so you can know when to avoid it.

We’re all about helping you reach your financial goals, so consider making us part of your plan. Contact our friendly member service representatives to start hitting your money goals.