Short-Term Money Goals — page 1

Short

-

Term

Money

Goals

Your

Goal

List

10

goals

· 12

months

Build

a

$

1,000

starter

emergency

fund

$

1,000

Set

aside

a

small

cushion

for

unexpected

expenses

—

a

flat

tire

,

a

medical

co

-

pay

,

or

a

replaced

phone

.

Timeframe

:

First

3

months

·

Save

~

$

85/

week

or

transfer

$

340/

month

Pay

off

your

highest

-

interest

credit

card

Full

balance

Eliminate

the

card

with

the

highest

APR

first

(

debt

avalanche

method

)

to

stop

paying

expensive

interest

every

month

.

Timeframe

:

Months

3–6 ·

Put

any

extra

income

toward

this

balance

Save

1

month

of

essential

living

expenses

1×

monthly

expenses

Grow

your

emergency

cushion

to

cover

rent

or

mortgage

,

utilities

,

groceries

,

and

transportation

for

one

full

month

.

Timeframe

:

By

month

6 ·

Automate

a

fixed

transfer

on

payday

Create

a

dedicated

car

maintenance

&

repair

fund

$

600

Avoid

scrambling

when

the

mechanic

calls

—

oil

changes

,

tires

,

brakes

,

and

minor

repairs

come

out

of

this

fund

.

Timeframe

:

Months

4–8 ·

$

75/

month

Eliminate

one

monthly

subscription

you

don

’

t

use

Save

$

20–

$

45/

mo

Audit

all

recurring

charges

—

streaming

,

apps

,

gym

,

boxes

.

Cancel

or

downgrade

at

least

one

and

redirect

the

money

to

savings

.

Timeframe

:

This

week

·

One

audit

takes

20

minutes

1 / 2

Short-Term Money Goals — page 2

Automate

savings

on

payday

10%

of

income

Set

up

an

automatic

transfer

from

checking

to

a

dedicated

high

-

yield

savings

account

the

day

your

paycheck

lands

.

Timeframe

:

First

month

·

Set

-

and

-

forget

beats

willpower

Save

for

planned

holiday

&

birthday

gifts

$

500

Pre

-

fund

a

gift

account

so

December

and

birthdays

never

push

you

into

credit

-

card

debt

.

Timeframe

:

Months

8–11 · ~

$

45/

month

Build

a

$

2,500

job

-

loss

buffer

$

2,500

A

larger

cushion

that

covers

essentials

if

your

income

pauses

—

giving

you

breathing

room

,

not

panic

,

during

a

transition

.

Timeframe

:

Full

12

months

· ~

$

210/

month

or

redirect

any

windfall

Pay

off

one

student

loan

or

personal

loan

early

Smallest

balance

Use

the

debt

snowball

method

—

knock

out

your

smallest

loan

completely

for

a

quick

win

and

instant

monthly

cash

-

flow

relief

.

Timeframe

:

Months

5–9 ·

Roll

freed

-

up

payments

into

the

next

debt

Do

a

no

-

spend

month

&

bank

the

difference

$

300–

$

600

saved

For

30

days

,

buy

only

true

essentials

—

groceries

,

gas

,

rent

,

bills

.

Transfer

every

dollar

you

would

have

spent

on

extras

into

savings

.

Timeframe

:

Pick

any

month

·

Use

a

spending

tracker

to

stay

honest

2 / 2

Short-Term Money Goals

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