Reframe Your Relationship with a Financial Goal You Keep Missing

You have been trying to hit the same savings target for eighteen months and you are no closer. Either the goal is wrong, the timeline is wrong, or something in your actual financial situation makes it unreachable without a change you have not made. This works out which it is and resets the goal to something that fits your real numbers.

Describe the financial goal you have set and kept missing. Then do the following.

1. State the original goal exactly as you set it.
2. Identify whether the goal is the right goal (does hitting it solve the actual problem?) or whether the real goal is something slightly different.
3. Identify the main reason you have not hit it: wrong target, wrong timeline, competing priorities, or a gap between income and the goal that cannot be closed without a change to income.
4. Restate the goal in a form that is more likely to be achievable given your actual situation.
5. State one change you would need to make for the new goal to be realistic.

Goal: [describe the original goal and how long you have been trying to hit it]
Current situation: [brief financial context: income, existing commitments, what you have managed so far]