Image courtesy of Brendan Riley
Image courtesy of Brendan Riley
Many of us know that we should be managing out money better. Whether we have debts to pay off, need to increase how much we save each month or should be setting up a pension, it is easy to push it to the back of our minds and forget about it. However, we all know that the sooner we do something about it, the quicker it will be sorted and the better off we will be in the future. Here are some tips on how to motivate yourself.

Write down your goal
It is a good idea to write down your goal. This could be to be debt free by a certain year, start a pension scheme this year, start saving £50 a month from now on or whatever. Get it written down so that you are making a commitment to yourself to achieve it. Make sure there is a date in there, as to when you want to start or to get the goal completed by. This is important so you can really focus on it.

Keep reminding yourself of the goal
It is important to constantly remind yourself of your goal. As you have it written down, put it somewhere that you will see it each day. On the bathroom mirror, fridge, desk, and read it when you see it. This will ensure that it sticks in your head and you are much more likely to achieve it.

Set up an action plan
It is worth planning how you are going to achieve your goal. It all depends on exactly what it is, but some may take more planning than others. You may need to see a financial advisor or work out how to spend less money so you can afford to save more or pay off debts. You could do some research online too, especially if you are not sure where to start. There are many financial websites that could help with this.

Praise yourself for your efforts
Make sure that you acknowledge your efforts. You will have times when you may feel that it is too much effort or work or that you are depriving yourself so make sure that you remind yourself as to how well you are doing. You could always fit some treats into your action plan, so when you achieve a certain amount, you have some sort of reward.

Keep thinking of the future
It is worth concentrating on what it will feel like in the future as a result of the hard work that you are putting in now. Imagine the feeling of being debt free, having savings built up or having a pension for your retirement. These will be huge benefits and so use them to motivate yourself to keep working hard.