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4 Strategies For Effective Money Goal Setting – Ep. 82

How Can I Set Effective Money Goals?

Inside this episode, we’re talking about why new year’s resolutions typically don’t work, what you need to know because of that and 4 key strategies to set effective money goals. So let’s do this!

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Wondering What’s Next?

Podcast Key Points

0:00 – Episode Overview
1:06 – Why New Year Resolutions Fail
3:42 – Integrity With Yourself
4:31 – Routines That Work
5:14 – Stop The Struggle
6:10 – Which Was Your Favorite Strategy of the 4?

Frustrated that you aren’t making the progress that you should within your finances? Create an unshakable money mindset with the Money Mindset Mastery Checklist

4 Strategies For Effective Money Goal Setting

Have you wondered how can I set effective money goals?

Inside this episode we’re talking about why New Year’s resolutions typically don’t work, what you need to know because of that in four key power-ups that you need to set effective money goals. So let’s do this!

Welcome to the Your Money Your Life podcast. I’m your host Aimee Cerka after over 10 years in the personal finance industry and multiple personal financial and medical crisis I was fed up with the lies are being shouted from the rooftops by the Guru’s and the media.

If you’re ready to eliminate fear, stress, struggle, frustration and guilt from your finances and all the areas they affect. You’re in the right place. Welcome. I’m so glad you’re here.


Welcome back to another episode of the Your Money Your Life podcast. I’m your host, Aimee Cerka we are recording this again. If we’re connected on Instagram, you might have seen you might have saw there we go might have saw that I had mic issues.

So I am re-recording this because it sounded awful. The audio turned out wrong. And I did not want to put that in your ears. All right. So take two, even though nobody heard take one, right?

Let’s talk about money goals. And this is something that we were a little passionate about, especially with if you’ve heard my story. And we talk about finding the success of where you’re at and really just listened to last week’s episode.

Because it was a very passionate, like, buyer truth, whatever you want to call it, like that was the thing, right? So listen to that episode. And then you’re probably going to be understanding of why this is so important.

Why New Year’s Resolutions Don’t Work

But why do New Year’s resolutions don’t? Why do New Year’s resolutions not work? Okay?

Because often when we set a New Year’s Resolution, we do this like all in thing, we want to change a lot of things at once. And that’s not how long term change happens.

We have to do incremental steps one at a time, okay. And we have to build these habits, we don’t want to create what we call cognitive dissonance, if where you are at and where you want to be is too big of a gap. We create the cognitive dissonance, your subconscious mind self sabotages you and you are not successful long term. Okay?

That just like I feel like we need to let that sit for a minute.

Four Strategies for Effective Goal Setting

So what are four things that we need to be aware of when we are goal setting? Okay.

The fourth power-up strategy that I want you to know, is we need to create momentum with our goals. There’s nothing wrong with setting incremental goals. We again don’t want to promise the world and not achieve it. So pick a small step, one incremental step. What’s the next step for you on the path? Right?

So if you want to hit that elusive six figures, which is why I’ve shied away from talking about this, is we have to do this one step at a time, right? How do you eat an elephant one bite at a time, just make it one small step at a time.

The second thing we need to do is make sure that you’re keeping integrity with yourself when you set a goal and you know, you’re not going to do it and you break that integrity with yourself. Again, that is so damaging.

So to set effective money goals, keep the integrity with yourself. And a great way to actually do that is to not put a deadline on it. So this is the goal that you want to achieve.

Okay, let’s say it’s the six figures, you want to hit six figures in your business. This specific income stream is what we’re talking about, okay, you’re scaling this income stream to six figures. You have to like don’t, you don’t have to put a deadline on it. Like this is the goal that I’m working towards and you’re just doing the actions that you need to move forward. Okay.

The third mindset power-up that we have today is we need to work on our routines. Again, we don’t want to change everything. So add one thing at a time. And then we do something that’s called habit stacking.

Okay, so you have one thing that you’re focusing on and then you can add it to what you’re already doing. And routines are so powerful because it eliminates the feeling of behind in your schedule. And that’s a whole story for another day like don’t set yourself up, that’s like setting yourself up for success.

If you don’t have to meet that certain time deadline, don’t force yourself to do it. Just create the routine these things need to be done in this order. You started when you start it, you’re done when you’re done and there’s not this like I’m behind them behind them behind the behind, that is not an energy you want to carry in, carry with you. Okay?

The fourth strategy to power up your effective goal settings is stop the struggle, okay? Stop feeling like everything has to be a struggle. Focus on what you can control.

You can also stop the struggle by stop doing the fluff, like we need to focus on the things that actually move us forward, which you don’t know unless you look at your numbers regularly.

Okay, stop the struggle. You have to move forward with success with confidence. This is how you create mastery. This is how you correct the effect like money goal mastery. There are things in place, you have to believe that it is possible which goes back to the integrity with yourself and why that’s so important in creating the momentum with your goals.

Do you see how they all play in together?

Alright, that’s what I’ve got for today. I think the first version of this was probably longer. So maybe I got more succinct when I re-recorded it. But here we go.

Implementing the Strategies

We talked about four key strategies to power up your money goal setting. Okay. We talked about creating momentum with your goals. We talked about keeping integrity with yourself. We talked about routines and how we don’t need to change everything. And we talked about stopping the struggle and believing that you can make money with ease.

It doesn’t have to be hard.

Your challenge for today, I want to hear from you. What was your favorite strategy? And what are you going to implement? Send me a message on Instagram @aimeecerka or shoot me a text 817-969-4653. That is it for now. We’ll see you next time.

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Aimee Cerka
Aimee Cerka

The Money Confidence Coach - She helps motivated women, like you create the happiness, family life, financial security, and long-term wealth they deserve. Create unstoppable finances so that when the next curveball is thrown your way... You're prepared. Click Here to Learn More

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