Most people do not have clear goals. Some people spend money for whatever they want. They never make a plan or think about what they really want. These are the people who always ask: "Where did all my money go?

Then, there are people who set very strict goals for themselves. They will not make any change and are generally unhappy with their plan.

Let your goals serve as a guide to help you get the most from every dollar you spend. This will allow you to make changes in your money plan when needed.