2. Break them down. Break down large, long-term goals into smaller sub-goals. For example, if your goal is to start your own business, a sub-goal might be to enrol in a business class.

3. Keep a record. Research shows that you’re more likely to achieve your goals if you write them down. Once you’ve recorded your goals, keep them somewhere you can see them – it will keep you motivated.

4. Prioritise. Some goals may be more important so it’s a good idea to consider them in order of priority to focus your time and energy.

5. Review. If your circumstances change, your goals may as well. Regularly review your goals and adapt your financial strategy accordingly if they change.