Savings goals: expectations vs reality
Financial fitness is something that goes on the resolutions list each year. In the first few days of fist-pumping enthusiasm, you’ve pinned up a savings vision board, downloaded five different money apps, and drafted a colour-coded spreadsheet.
But just like that gym membership that gathers dust after we decide it’s too cold and dark for weights at 6am, financial plans can fall limp when we lose sight of what the end-goal is.
Maybe you’ve blown your budget on a big weekend, after diligently bringing your lunch to work during the week. Or, the effort of juggling multiple budget numbers is just too much. Either way, it can be really demotivating, and make you fall back on your old spending habits.