4: Find ways to motivate yourself
Many who wants to improve their finances will experience a period of struggles, no fun at all and wanting to give up.
Especially, if paying of debt is part of your strategy, there will be luxuries you have to let go of (at least for a while) until you reach your goal.
Motivation is a beautiful thing to have, but in most cases, it will be sheer will power that carries you across the finish line. Here your overall goal and the purpose for reaching it - as we discussed in step 1 - can help you through the rough patches.
It’s also a good idea to visualize your goal and/or the journey towards it in a way that makes sense to you. Markdown every payment in a book, on a board or on a piece of paper on the fridge. Anywhere that keeps your progress in plain sight.
You can also use more creative ways to mark your progress. At Lunar, you can use the savings feature Goals. With it, you can divide every saving into a goal, and give each goal a name and picture that visualizes your personal dream. You can also add an array of automatic payments to help you automate the process.
Which brings us to the next tip...
5: ACTIVATE THE AUTOPILOT
The easiest way to make sure that you do the things necessary to reach your financial goal is to put as much of it as possible on autopilot.
Create automatic transfers. That way bills, debt and savings are always paid first.
The Lunar feature Goals helps you make automatic transfers on a daily, weekly, monthly, quarterly and yearly basis. You can also set it to Round-up and transfer a small amount of your choice to your savings account whenever you swipe your Lunar Black Card. Easy.
Want to give Lunar a try? It’s free, non-committal and we don’t care if we’re your only one, or if you have several other banks on the side. You decide. Get the Lunar app here.