Every January, millions of people decide “This is the year I take control of my finances!” But by February, those resolutions often fizzle out.
Why? Because the achievement becomes the goal. Big targets like “Save $10,000” or “Pay off all debt” sound great, but they’re overwhelming.
When progress feels slow, motivation dies.
The truth: Real change comes from small, consistent steps. Instead of focusing on the finish line, set progress goals. We're talking about those small, actionable steps that build momentum.

Start With Progress Goals

Here are 2 options for a January progress goal to get you moving in the right direction.
1) Weekly Check-In: Pick one day each week to log into your credit card account with your spouse.
Just review your week's transactions. No arguments, no fixes.
Why? Because what gets measured gets managed. Awareness alone can reduce spending without effort.
2) Budgeting App: Try a tool like Tiller (free 30-day trial). Link your accounts so all transactions flow into one place.
This a great progress goal, because getting set up will allow you to move onto the next steps like planning your spending or creating a savings plan.

The Takeaway

Forget the big, intimidating resolutions. Make this year about progress. Start small, stay consistent, and watch as the results compound!