The San Diego Financial Literacy Center, a private 501(c)(3) nonprofit corporation, is the go-to organization for financial literacy and education.
San Diego, CA
Joined January 2014
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A7: Visuals are great I like to print up a picture that reminds me of the goals I’m trying to accomplish financial and otherwise. Then put the picture up were I will see it often. or eat least write it on a post it #creditchat
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A8, I have mini goals within all my main goals. At each mini goal I reward myself with something so I can stay motivated.
It also trains my brain to think, "hitting goals = more things I like"
#creditchat
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Q7. What tactics, tools, or visuals can help keep you focused on your goals? #CreditChat
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A6. Time to goal completion is the benchmark I like the most. I can count down. Some people like debt-to-income ratio or return on investment. Find what motivates you to keep progressing, especially during discouraging times. #CreditChat
A6: The advantage that financial goals have over other goals is that money is easy to measure. You can always check on balances and compare how close percentage wise you are to your goal compared to the percentage of time you have left. #creditchat
A5: Start with the more financially needed goals for example paying off debt or emergency savings account. If you have to hold off a month or two on saving for the TV or PS5 then so be it. #creditchat
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A3. Learn more about setting financial goals in this article from Ask Experian: experian.com/blogs/ask-exper… #CreditChat
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A3: Start by being realistic and setting a positive tone for the process. Create an inspiring environment—light a candle, enjoy a coffee, and focus on your goals. Once you’re clear on your priorities, map out actionable steps to achieve them. #CreditChat
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A2. A strong financial goal should be well-defined and quantifiable, ensuring you can track your progress effectively. It should also be realistic and aligned with your personal values and long-term aspirations, keeping you motivated and focused. #CreditChat
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3. Determining what it is you want to accomplish. Pay off debt? Put more into emergency savings? Build your retirement account? Understand your motivation for the goals. Then develop the plan to take action. #CreditChat
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Q4. How can you set a realistic timeline for achieving your financial goals? #CreditChat
A4: Enough time is important because if you make the goal too short term and unrealistic you may find it hard to put in the effort to accomplish it. #creditchat
A3: First step is deciding what you want to accomplish with your money. This is especially important when your finances are linked to someone else like in couples. You have to work together on turning “my” and “your” goals info “our” goals #creditchat
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We are grateful to be joined by @creditscoop, @CityGirlSavings, @Kembala, @Jaaziel_MP, @SDFLC, @erikaxgio, @UA_TCToday, @LeslieHTayneEsq and @BeverlyHarzog! #CreditChat
A2: Some key elements include making sure you know how much money you need and when you want to accomplish your goals by. #creditchat
A1: SMART goals give you a way to focus on what you really want to accomplish with your money and track your progress #creditchat
It's almost #creditchat time!
We hope you can join us for our #CreditChat today at 3 p.m. ET!
Topic: Mapping Your 2025 Financial Journey with SMART Goals
RSVP for your chance to win a $50 Amazon gift card! experian.com/blogs/news/abou…
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Thanks to our awesome panelists: @CreditScoop, @aboutthatwallet, @ModernHusbands, @rudribpatel, @MoneyFitbyDRS, @SDFLC, @Kembala, @BeverlyHarzog, and @navicorePR for taking the time to share your expertise! #CreditChat
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Yes! #CreditChat
A7 Plan for the unexpected: An essential part of any budget involves considering unexpected expenses. These might include medical emergencies or home repairs. #CreditChat
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Q9. How can you avoid being “tricked” by financial scams and “treat” yourself to smarter money management? #CreditChat
