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Short term smart goal
S: I will save money for traveling during the summer.
M: I will save $1000
A: I will save $100 of every paycheck
R: Traveling is important to me.
T: I will be done with this in 10 weeks -
Go out to eat less
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Go to the movies less
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Go shopping less
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Drive less places
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bring my lunch to work instead of buying food
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Work more
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Long term smart goal
S: I plan to save to money to rent an apartment
M: I will save $5000 for my apartment
A: I will save half of every paycheck.
R: I am getting older and will need to move out eventually and be on my own
T: I will reach my goal in 40 months -
No more impulse purchases
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Spend money only on bills and necessities
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Start researching where to get an apartment
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shop at thrift stores
