> I always struggle to articulate what that would mean
I think that's the first step to take. Finding, and articulating, three/five things, you'd like to have done by the end of next year.
From there on you can step backwards, define goals inbetween and find the things you need to do.
One of my goals, two years ago, was "get rid of the debt and save some money". So I broke that down to "pay off a credit" and "save money". I then took my yearly bonus to pay off most of the credit, set up a monthly payment plan and waited for the credit to be zero. Great goal inbetween, great feeling, too. Then I took the money I saved each month and put it in another account, now I've saved up almost three months of expenses. In February I'll hit that goal and switch the savings plan to actually invest some money in ETFs/solid stocks and save more money up that way.
Feels good. Small steps. Lots of them. And no complicated "if this then that and also that"-stuff. Just doing.
I think that's the first step to take. Finding, and articulating, three/five things, you'd like to have done by the end of next year.
From there on you can step backwards, define goals inbetween and find the things you need to do.
One of my goals, two years ago, was "get rid of the debt and save some money". So I broke that down to "pay off a credit" and "save money". I then took my yearly bonus to pay off most of the credit, set up a monthly payment plan and waited for the credit to be zero. Great goal inbetween, great feeling, too. Then I took the money I saved each month and put it in another account, now I've saved up almost three months of expenses. In February I'll hit that goal and switch the savings plan to actually invest some money in ETFs/solid stocks and save more money up that way.
Feels good. Small steps. Lots of them. And no complicated "if this then that and also that"-stuff. Just doing.