At many points in life, we will likely have some sort of financial goal that we set out for. Sometimes this involves something in the short term like saving a certain amount of money or being able to afford a vacation.

At other points, financial goals are focused on the long term, such as reaching a certain net worth at a specific age. There are universal habits that we can implement that can increase our chances to reach these goals, regardless of the specifics of the goal itself.

Be Able to Measure Your Goals

Although these tips will apply to nearly all financial goals, you still must add a sense of specificity to the goals. Try to make them as quantifiable and measurable as possible.

This will help you understand what needs to be accomplished daily, weekly, or monthly to stay on track. Simply put, making a quantifiable system for your financial goals will keep you focused throughout the process.

Have Someone Hold You Accountable

Reaching financial goals takes a certain degree of discipline. Unfortunately, it is only human nature to lose this sense of discipline at times when complacency settles in.

This is why it is a good idea to share your goals with friends, family, or a partner who you can trust to remind you to stay on track for your goals. They also can give you an assessment of your progress and nudge you to keep going.

Keep as Little Money in Your Checking Account as Possible

Regardless of what the goal is, chances are it has something to do with saving money or dishing out an amount of money for a certain purpose. This means that unnecessary spending will likely be your worst enemy.

One good way to prevent this is to essentially hide the majority of your income from your checking account by saving and investing it. This will make it easier to stick to a disciplined budget and practice frugal spending.