21 January 2015

Creating S.M.A.R.T. Financial Goals

S.M.A.R.T. goals help you design goals that meet your individual circumstances so you can achieve them and live the life you desire. Whether you’re making spending, savings, income, or investment goals, creating SMART goals helps ensure your success!

S.M.A.R.T. = Specific, Measurable, Attainable, Realistic, Timely

Example of how a SMART financial goal can work for you:

‣Create a SMART Goal: I will save $1,000 in the next 50 weeks so I can pay for my next holiday in cash.

‣Make a SMART plan: I will save $20 each week for the next 50 weeks by taking my lunch instead of buying fast food.

‣Follow your plan: Put that $20 away each week and pay for your holiday in cash!

Set yourself up for a secure financial future with SMART goals!


  1. Hi Cath

    I'm new to your blog but have been using the Cheapskates Club Miracle Spray for sometime now. How good is it? As a kitchen surface, bathroom sink/shower cleaner, it is fantastic! Also, it is soft on my hands and my jewellery sparkles too! Will look forward to going over some of the blog for some great tips. Thank you,
    Cheers - Joolz xx

    1. Welcome Joolz, it's nice to meet you. Miracle Spray is fantastic, an understatement, but it's really hard to express just how good and versatile and frugal it is in words. I haven't met anyone who has tried it who doesn't just love it.

      There's lots to see on the blog and the website so sing out if you have a question and I'll do my best to answer it for you.

  2. I have a question. How much linen is enough. I have 3 sets of sheets for each bed (a queen, a double and a single). I also have 2 sets of flannelette sheets for each. Do you have special towels for swimming or do you use the regular bath towels? I know it's a weird question but I am trying to declutter

    1. Janine you have made me smile and it isn't a weird question!

      I can tell you what I have and it works for my family - there are five of us as you probably know. I have three sets of sheets for each bed (we don't have flannelette sheets for winter). I work on one on the bed, one in the wash and one spare. I like the security of having spares to cover me during wet weather when drying the washing can take a while.

      I also have two towels each for the men in the family, so six, and four towels each for Hannah and me (we use two towels, one for us and one for our hair) and one beach towel each - 19 towels. I prefer to have towels for swimming so the bath towels don't get bleached by salt or chlorine or scruffed up from being dragged over sand, grass, rocks and things.

      We all have one beach towel each so another five.

      We have a lot of overnight visitors so I also have a set of sheets and four guest towels and two guest face washers that I keep on a separate shelf so everyone knows they are the nice towels just for

      Goodness that sounds like a lot but it works for me. And it all fits in the linen cupboard without being shoved in and messy.


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