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SMART Budgeting Goals
SMART
Budgeting
Goals
Goals
at
a
glance
The
eight
goals
in
order
,
with
the
target
figure
and
the
date
each
one
is
due
.
01
Build
a
three
-
month
emergency
fund
$
9,700
total
·
$
810/
month
31
Dec
2026
02
Reset
the
grocery
budget
$
575/
month
,
down
from
$
720
31
Mar
2026
03
Clear
the
credit
card
balance
$
8,400
at
22.4%
APR
·
$
1,010/
month
31
Oct
2026
04
Automate
the
savings
transfer
on
payday
15%
of
take
-
home
pay
·
$
810
per
transfer
31
Jan
2026
05
Cap
dining
out
and
delivery
$
175/
month
,
down
from
$
410
30
Jun
2026
06
Max
out
the
Roth
IRA
contribution
$
7,000
for
the
2026
tax
year
·
$
583/
month
15
Dec
2026
07
Cut
recurring
subscriptions
$
32/
month
,
down
from
$
94
28
Feb
2026
08
Reduce
utility
bills
by
15%
$
202/
month
,
down
from
$
238
30
Sep
2026
What
each
letter
means
here
Every
goal
below
is
written
in
the
same
five
-
part
structure
.
S
pecific
Names
the
exact
account
,
category
,
or
line
item
being
changed
.
M
easurable
States
the
number
that
proves
it
worked
,
and
where
that
number
is
read
from
.
A
chievable
Shows
the
math
against
real
take
-
home
pay
—
not
a
target
that
requires
a
raise
.
R
elevant
Explains
what
it
protects
or
unlocks
,
so
it
survives
a
busy
month
.
T
ime
-
bound
Gives
a
due
date
and
a
review
cadence
.
1 / 5
Goal
breakdowns
Eight
goals
,
each
written
out
in
full
SMART
form
.
GOAL
01
SAFETY
NET
Build
a
three
-
month
emergency
fund
Target
:
$
9,700 ·
$
810/
month
·
by
31
December
2026
S
Specific
.
Hold
three
months
of
essential
expenses
(
$
3,230/
month
)
in
a
separate
high
-
yield
savings
account
,
not
in
the
checking
account
where
it
can
be
spent
.
M
Measurable
.
Balance
reaches
$
9,700,
tracked
as
a
single
"
Emergency
Fund
"
line
on
the
monthly
budget
sheet
and
reconciled
on
the
1
st
of
every
month
.
A
Achievable
.
$
810/
month
is
15%
of
$
5,400
take
-
home
pay
,
funded
by
the
automated
transfer
in
Goal
04 —
no
month
depends
on
remembering
to
move
money
manually
.
R
Relevant
.
Without
a
cushion
,
a
single
car
repair
or
medical
bill
goes
back
onto
the
card
at
22.4%
APR
and
undoes
Goals
03
and
06
in
one
month
.
T
Time
-
bound
.
First
transfer
2
January
2026;
full
balance
by
31
December
2026;
progress
reviewed
each
quarter
,
with
a
checkpoint
at
$
4,850
on
30
June
.
GOAL
02
EVERYDAY
SPENDING
Reset
the
grocery
budget
Target
:
$
575/
month
,
down
from
$
720 ·
by
31
March
2026
S
Specific
.
Bring
weekly
grocery
spend
at
the
supermarket
and
the
Saturday
farmers
market
down
from
roughly
$
180
a
week
to
$
144,
without
changing
how
many
meals
are
cooked
at
home
.
M
Measurable
.
A
monthly
grocery
total
of
$
575
or
less
,
read
directly
from
the
card
statement
on
the
last
day
of
each
month
and
written
into
the
budget
sheet
.
A
Achievable
.
The
$
145/
month
cut
equals
about
$
36
a
week
—
one
fewer
delivery
order
and
a
Sunday
meal
plan
.
It
does
not
require
changing
where
the
shopping
happens
.
R
Relevant
.
Groceries
are
the
largest
flexible
line
in
the
budget
and
the
easiest
one
to
drift
on
,
because
none
of
the
individual
purchases
look
large
at
the
time
.
T
Time
-
bound
.
New
budget
starts
1
February
2026;
three
consecutive
months
under
$
575
by
31
March
2026.
2 / 5
GOAL
03
DEBT
PAYOFF
Clear
the
credit
card
balance
Target
:
$
8,400
at
22.4%
APR
·
$
1,010/
month
·
paid
off
by
31
October
2026
S
Specific
.
Pay
the
full
balance
on
the
Visa
account
ending
4417
rather
than
the
minimum
,
and
stop
using
that
card
for
new
spending
while
it
carries
a
balance
.
M
Measurable
.
Balance
reaches
$
0
on
the
October
statement
,
and
the
monthly
interest
charge
falls
from
about
$
157
to
$
0.
A
Achievable
.
$
1,010/
month
is
19%
of
take
-
home
pay
,
and
$
210
of
it
replaces
a
minimum
payment
already
being
made
—
the
real
new
commitment
is
about
$
800
a
month
,
ending
after
nine
months
.
R
Relevant
.
At
22.4%
APR
the
balance
costs
roughly
$
1,880
a
year
in
interest
—
more
than
the
grocery
and
dining
cuts
in
Goals
02
and
05
combined
.
T
Time
-
bound
.
$
1,010
on
the
5
th
of
each
month
from
February
through
October
2026;
final
payment
5
October
2026,
confirmed
on
the
closing
statement
.
GOAL
04
HABIT
&
AUTOMATION
Automate
the
savings
transfer
on
payday
Target
:
15%
of
take
-
home
pay
(
$
810)
transferred
automatically
·
standing
order
live
by
31
January
2026
S
Specific
.
Set
a
standing
transfer
of
15%
of
take
-
home
pay
into
savings
the
day
after
each
payday
,
before
any
other
spending
happens
that
month
.
M
Measurable
.
Transfers
execute
on
the
2
nd
and
17
th
of
each
month
,
and
the
savings
line
on
the
budget
sheet
reads
$
810
or
higher
at
month
end
.
A
Achievable
.
$
810
is
15%
of
$
5,400
take
-
home
and
is
the
same
transfer
that
funds
Goal
01 —
once
the
emergency
fund
reaches
$
9,700,
the
identical
transfer
redirects
to
the
next
savings
priority
.
R
Relevant
.
Automating
removes
the
decision
from
the
month
entirely
,
which
is
what
keeps
Goals
01,
03,
and
06
on
schedule
when
a
month
gets
busy
.
T
Time
-
bound
.
Standing
order
created
by
31
January
2026;
rate
held
at
15%
through
31
December
2026,
then
reviewed
for
an
increase
.
3 / 5
GOAL
05
EVERYDAY
SPENDING
Cap
dining
out
and
delivery
Target
:
$
175/
month
,
down
from
$
410 ·
by
30
June
2026
S
Specific
.
Replace
weekday
takeout
with
two
planned
restaurant
meals
a
month
,
each
budgeted
at
$
87.50,
and
treat
delivery
apps
as
an
exception
rather
than
the
default
.
M
Measurable
.
Combined
restaurant
and
delivery
spend
of
$
175
or
less
,
reconciled
from
card
and
app
receipts
on
the
last
Sunday
of
every
month
.
A
Achievable
.
A
$
235/
month
reduction
equals
about
five
delivery
orders
—
the
change
is
frequency
,
not
the
standard
of
the
two
meals
that
remain
.
R
Relevant
.
Dining
is
the
second
-
largest
flexible
line
and
the
single
largest
source
of
unplanned
spending
across
the
last
six
months
.
T
Time
-
bound
.
First
milestone
of
$
260/
month
by
31
March
2026;
full
$
175
cap
in
place
by
30
June
2026
and
held
through
year
end
.
GOAL
06
INVESTING
Max
out
the
Roth
IRA
contribution
Target
:
$
7,000
for
the
2026
tax
year
·
$
583/
month
·
final
contribution
by
15
December
2026
S
Specific
.
Contribute
the
full
annual
Roth
IRA
limit
through
twelve
equal
monthly
deposits
into
the
existing
brokerage
account
,
rather
than
a
lump
sum
at
tax
time
.
M
Measurable
.
$
7,000
contributed
by
31
December
2026,
confirmed
by
the
year
-
end
statement
showing
the
contribution
marked
for
the
2026
tax
year
.
A
Achievable
.
$
583/
month
is
10.8%
of
take
-
home
pay
and
is
funded
from
the
same
pool
freed
up
by
Goals
02, 05,
and
07 —
the
reductions
and
the
contribution
are
deliberately
paired
.
R
Relevant
.
The
contribution
limit
resets
each
year
and
cannot
be
carried
forward
,
so
a
missed
year
is
tax
-
advantaged
space
lost
permanently
.
T
Time
-
bound
.
Deposit
on
the
5
th
of
each
month
;
final
contribution
by
15
December
2026
to
leave
room
for
processing
before
year
end
.
4 / 5
GOAL
07
RECURRING
COSTS
Cut
recurring
subscriptions
Target
:
$
32/
month
,
down
from
$
94 ·
by
28
February
2026
S
Specific
.
Cancel
everything
out
of
the
thirteen
active
subscriptions
that
has
not
been
used
in
the
last
60
days
,
keeping
only
the
two
that
are
genuinely
in
weekly
use
.
M
Measurable
.
A
combined
recurring
charge
of
$
32
or
less
on
the
March
statement
,
verified
against
the
subscription
list
built
in
January
.
A
Achievable
.
The
$
62/
month
reduction
is
a
one
-
time
set
of
cancellations
rather
than
an
ongoing
habit
—
the
easiest
saving
on
this
list
to
lock
in
.
R
Relevant
.
Recurring
charges
are
invisible
in
a
monthly
budget
because
they
never
feel
like
a
purchase
decision
,
yet
they
total
$
1,128
a
year
at
the
current
rate
.
T
Time
-
bound
.
Audit
completed
15
January
2026;
cancellations
processed
by
31
January
;
target
confirmed
on
the
28
February
statement
.
GOAL
08
FIXED
COSTS
Reduce
utility
bills
by
15%
Target
:
$
202/
month
,
down
from
$
238 ·
by
30
September
2026
S
Specific
.
Cut
combined
electricity
and
water
spend
by
adjusting
the
thermostat
schedule
,
shifting
laundry
and
dishwashing
to
off
-
peak
hours
,
and
requesting
a
rate
review
from
the
provider
.
M
Measurable
.
A
combined
utility
bill
of
$
202
or
less
for
three
consecutive
months
,
read
from
the
monthly
statement
and
logged
on
the
budget
sheet
.
A
Achievable
.
A
15%
reduction
is
in
line
with
the
provider
'
s
own
published
savings
estimate
for
a
scheduled
thermostat
,
and
requires
no
equipment
purchase
.
R
Relevant
.
Fixed
costs
are
the
hardest
line
to
reduce
,
so
any
permanent
cut
here
lifts
the
flexible
pool
that
funds
Goals
01, 03,
and
06
without
a
further
lifestyle
change
.
T
Time
-
bound
.
Thermostat
schedule
set
by
31
March
2026;
rate
review
requested
1
April
;
target
held
for
three
consecutive
months
by
30
September
2026.
5 / 5
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