When you develop goals, they are easier to achieve if they are written down and SMART.  Follow these easy steps to achieve your financial plan to become debt free.

1. Schedule time today or the upcoming weekend either update your goals or write your goals as they relate to your finances.
2. Write goals that are SMART. SMART means Specific, Measurable, Attainable, Realistic and Time Bound.
3. Create a budget with all of your expenses and debts.
4. Check your budget to make sure you can achieve the SMART goals you have set. If your budget doesn’t all for you to achieve your SMART goals, you need to redo your goals or find other methods to achieve them. Ex. Getting a part-time job to increase income which goes to paying off debt.
5. Develop an action plan to achieve your goals. This action plan should have daily activities which result in achieve the SMART goal.
6. Find at least (2) accountability partners to help you remain on track with your goals. One accountability partner can be your spouse or significant other. The other accountability partner should be someone who can support but also push you to achieve your goals.

You can tailor these steps a bit to fit your life. No one plan fits everyone. Good luck!