(This page may contain some affiliate links. Please see my disclaimer for more information.)

Last Updated April 9, 2020

Are you sick of not having money? Do you find yourself in the same financial situation year after year? Whatever your financial goals, you need to have a financial goal planner.  Find out why a financial goal planner is the key to your financial success.  

free budget binder

What Are Financial Goals?

Financial goals are the things you hope to achieve with your money. They aren’t one size fits all, because everyone has different hopes and priorities when it comes to their money. However, if you don’t set your financial goals, you’ll probably stay stuck in the same place financially.

Why Are Financial Goals Important?

Having financial goals are important because people who make goals usually achieve them, and achieve them much faster than those who do not set any financial goals. The reason for that is because goals give you more focus, allows you to track your progress, and help you stay motivated to achieve your task.

For example, say your goal is to save for a house. You might cut back on your shopping trips and use that money you save to put towards your house fund instead. Without establishing that goal, you’re more likely to continue spending as usual without putting anything towards savings.

Short term financial goals

So in other words, having financial goals help influence your actions today to ensure you have a better financial future tomorrow.

What Should My Financial Goals Be?

It’s hard to say what your financial goals should be because everyone is in different stages of their financial life. So I would just say your financial goals should put you in a better position to have more wealth than you had before.

But in general, everyone should strive to achieve these financial goals at some point in their life:

  • Have a fully funded emergency fund
  • Have enough money for retirement
  • Get out of debt (or at least have a positive net worth)
  • Have multiple streams of income
  • Spend less money than you make
  • Making sure your loved ones are taken care of upon your death

3 Different Types Of Financial Goals

cashless envelope system

In general, there are three different types of financial goals that you can have: 1) short-term; 2) mid-term; and 3) long term goals. Let’s break down what I mean by that…

1. Short-Term Financial Goals

Short-term financial goals are usually goals you wish to accomplish in less than 3 years. Some common examples of short-term goals are building your emergency fund, paying down high-interest debt, or saving for a wedding or vacation.

2. Mid-Term Financial Goals

Medium-term financial goals usually take about 3-10 years to achieve. Some examples of mid-term financial goals may be saving to buy a car, saving for a down payment on a house, or paying off your high-interest debt.

3. Long-Term Financial Goals

Long-term goals usually take more than 10 years to achieve. Some examples of long-term goals may be saving for retirement, saving for your child’s college tuition, or paying off a mortgage.

Why Do I Need A Financial Goal Planner

You can make financial goals, and even write them down, but a financial goal planner will help you take action

Woman goal setting while drinking coffee

Using a financial goal planner allows you to schedule any task that you need to do to achieve your financial goals. Regardless of what it is, planners help you to stay on track with each individual task you need to complete, and encourages you to move on to the next one effectively and efficiently.

It also helps you set specific due dates and deadlines for everything to help you stay on track.

I recommend having a financial goal planner mostly for your short-term financial goals because most planners only allow you to plan for about a year or so—although you can certainly keep a reminder of what your more long-term goals are.

If you’re active with financial goal planning, and take action to achieve your financial goals, I promise you will have more money at the end of the year.

Examples Of Short-Term Financial Goals

Here are some examples of short-term financial goals that your financial goal planner can help you achieve:

  1. Create And Stick To A Budget
  2. Increase My Net Worth
  3. Save At Least 10% Of My Income
  4. Have A Fully Funded Emergency Fund
  5. Make More Money Than I Did Last Year
  6. Pay Off At Least One Of My Credit Cards
  7. Spend Less Money Than I Did Last Year
  8. Increase My Credit Score
  9. Break Bad Spending Habits
  10. Increase or Start Investing
  11. Pay For My Wedding In Cash
  12. Save For My Vacation To Jamaica

How Does A Financial Goal Planner Save Me More Money?

Short term financial goals

1. You Save Money By Being Organized

Being organized saves you time and money.  The more organized you are, the more money you save. A few ways being organized saves you money are:

You Get The Best Deals

why can't i ever save money

When you’re organized, you can plan ahead for anything you need, and purchase things when they are on sale or clearance.

You Avoid Fees

Being organized can help you make sure your bills are paid on time. By scheduling your bill payments, you will avoid costly late fees.

You Get Lower Interest Rates

Paying your bills on time can also help you avoid high interest rates. Paying your bills on time will increase your credit score. With a high credit score, you get more access to better interest rates.

You Buy Less

You know exactly what you own when you’re organized. Since you know what you own, you tend to buy less. You no longer have to buy an item because you either can’t find it or don’t know you already own it.

Saves You Time

how to prioritize your financial goals

Everyone knows time is money. By keeping things well organized, you can save yourself time. The more organized you are, the less time you spend looking for things. You can therefore spend your time on things that are productive.

You Can Earn Extra Money

As I mentioned earlier, being organized saves you time. Having more time will allow you to spend your time on things that will earn you extra money.

Also, being organized can help you recognize the things you no longer use. If you have everything organized, you tend to know what you use and what you don’t use. You can sell the things you don’t use and make some extra money.

You Know How Much You’re Spending

prepaid debit card

Being organized and having a budget helps you get control of your finances. A budget helps you know how much you’re spending. If you’re aware of how much you’re spending, you will tend to spend less.

You Will Waste Less

When you know what you have, you will tend to use it; and therefore waste less.

2. You Have More Control of Your Money

Being more aware of your financial goals makes you take more responsibility for your behavior. 

You are clear about your goals and what you need to do to achieve them.  Therefore, you are more accountable and aware of how certain actions will affect your financial journey.  Because of this, you will tend to keep and have more control over your money.

3. Helps You Get Closer To Your Financial Goals Quicker

financial goal planner

The most important thing about financial goal planning is it makes you take action and helps you achieve your goal.  By planning the steps you need to take to achieve your goals daily, weekly, and monthly you are more likely to take action. 

You are also more likely to be productive during the time you are working towards your goals. To achieve your goals, they need to be written out and planned for.

According to a study done by Gail Matthews at Dominican University of California, those who wrote down their goals accomplished significantly more than those who did not write down their goals. 

I notice when I don’t use my financial goal planner, I tend to be less productive and it takes me longer to meet my goals.

Being clear about my goals is exactly what helped me achieve them. Once I was able to lay out a plan, I took action every day to get closer to my goals.

how to prioritize your financial goals

I was able to get to my financial goals quicker by having my goals written down and planned for. If my plan wasn’t mapped out exactly for me, I wouldn’t have been able to achieve those amazing results in such a short period of time.

Different Financial Goal Planners You Can Use

Now that you realize how important it is to use a financial goal planner, I’m going to talk about four different goal planners that I have used.  Hopefully, this review will help you choose what option works best for you.

If you’re interested in a digital product, check out Goals On Track–it’s a web-based electronic planner that you can also access through your smartphone. 

If you want to learn more about Goals On Track, I have written a detailed review. You can read my detailed article called “My Honest Review Of Goals On Track Software.”

Here are the different financial goal planners I have used…

The Ultimate Productivity Bundle

Ultimate Productivity Bundle

I love the Ultimate Productivity Bundle. I’ve personally paid for this bundle and been using it for the past few months. I must say the value is AMAZING and it has made a difference in my life!

The Productivity Bundle is over 70 different products related to increasing your productivity bundled into one package. If you purchased each product separately, it would cost over $2,800; but the bundle is priced at $67 (an incredible 97% off).

There’s also a “cheat sheet” that you can add to your purchase. This is a game changer, because with these time-saving cheat sheets, you can review all the bundle’s material in less than half the time, and then dive deeper into the topics that are most interesting to you.

The cheat sheet summarizes each product to help you find what you need easier.

The products are also sorted into the following sub-categories:

  • Building Routines
  • Getting Organized
  • Goal Setting
  • Overcoming Obstacles
  • Planners
  • Review & Reflect
  • Shifting Mindset
  • Time Management

Even if you only like 2 or 3 products out of the entire bundle, it would be worth the price.

Ultimate Productivity Bundle 2020

My favorite planner in the Busy Woman’s Daily Planner by Susie Glennan (a $34.99 value if purchased separately). I think this is a solid planner you can use if you don’t already have a daily planner. It is also good to use in conjunction with any planner you already have.

You can print one of the planners, and make it your new daily planner (whichever seems to fit your needs best). Or you can mix and match the different planners to make something perfect for you.

Although I already purchased a daily planner that I’m pretty satisfied with (my Law of Attraction Goal Planner which I reviewed below), I still found value in these planners. I printed out sections of different planners to supplement the planner I already have.

With 10 different daily planners and 6 different time management products, I’m sure you will be able to find something that you like. And if one planner isn’t perfect, you can combine it with parts of another planner to make it just right for you.

Productivity Bundle 2020
A look at the many resources in The Ultimate Productivity Bundle


  • You get a lot of value for the price.
  • 30-day money-back guarantee.
  • With so many products to choose from, you don’t have to wait until January to use it.
  • It’s so much more than a financial goal planner. It helps with building routines; getting organized; overcoming obstacles; shifting your mindset, and time management.
  • You can customize by combining products to make a planner how you want it.
  • The cheat sheet summarizes each product to help you find what you need easier.


  • You might not find value in every product.
  • It can be overwhelming to find what you need without the cheat sheet.
turn your finances around

My Opinion/How I Use It:

I highly recommend the Ultimate Productivity Bundle. You will definitely find a few products you love.

Since there are so many products to choose from, I purchased the time-saving cheat sheets. I think the cheat sheets are necessary so you can review all the bundle’s material in less time.

You may feel overwhelmed by the choices without the cheat sheets. The cheat sheet is helpful because it summarizes each product to help you find what you need easier.

I use the Ultimate Productivity Bundle in conjunction with my Law of Attraction Goal Planner (reviewed below). However, this productivity bundle can definitely be used on its own.

I think the Ultimate Productivity Bundle is best for people who wants a planner for all areas of their life. It helps you with productivity, goal setting, time management, home management, and so much more!

I would definitely recommend the Ultimate Productivity Bundle to all of my readers. You can read more about The Ultimate Productivity Bundle in my article “5 Ways To Be More Productive: The Ultimate Productivity Bundle.”

You can check out the different planners in the Ultimate Productivity Bundle right here:

Bullet/Dot Journal

Amazon Financial Goal Planner
Amazon Financial Goal Planner

A bullet journal, also known as a dot journal, is literally a journal filled with dots (as oppose to lines).   

A bullet journal can be a to-do list, journal, and financial goal planner all in one.  It is a blank canvas that you make your own. The dots make it very flexible for you to create different layouts.  

The concept is a bit difficult to understand, so if bullet journaling is new to you, read “Dot Journaling-A Practical Guide.” 

This book will help better explain what a bullet/dot journal is.  You will also get help starting and planning your bullet journal.

I have personally read this book and found it very helpful when I was setting up my bullet journal.  Right now the Kindle version of this book is very affordable. 

If you haven’t done so already, sign up for the FREE Kindle Reading App.  Most books I’ve purchased are cheaper if you buy the Kindle version of it, instead of the paper version. 

You don’t need a Kindle E-Reader to access Kindle books. The Kindle app is available for iPhone, iPod Touch, Android, Windows Phone, Blackberry, Android Tablet, and iPad.

The Dot Journaling-A Practical Guide gives you a lot of different ideas of things you can use your bullet journal for. Such as:

  • A Regular Journal
  • Calendar
  • Habit Tracker
  • Packing List
  • Chore List
  • Exercise Tracker
  • Savings Tracker

This list only names a few things you can use your bullet journal for.  The options are endless!


  • It’s the most affordable option on this list of financial goal planners.  Expect to pay between $10-$15.
  • You can customize the journal exactly how you want it.
  • You don’t have to wait until January to use it.
  • It allows you to be creative if you’re the artistic type.


  • It takes a LOT of time to set up your bullet journal.  Be prepared to spend a lot of hours on this task.
  • Your journal might not look that nice if you’re not the “creative” type or have poor handwriting.

My Opinion/How I Use It:

Personally I use my bullet journal predominantly as a journal and savings tracker.  I also have an exercise tracker, packing list, and chore list in my bullet journal, but I don’t use those that often.  

I don’t use it as a financial goal planner because I already had a planner when I purchased this journal. Also, I really don’t have the time it would take to set it up as a financial goal planner. 

I’m a little bit of a perfectionist, and I would probably obsess over every little detail…which is why it would take me forever to set it up.

A time-saving tip I want to recommend is using stencils when setting up your bullet journal (unless you’re already an excellent drawer).  It helps you save time because you can quickly make designs.  They’re also excellent for people who might not be very artistic. 

Amazon Bullet Journal Stencils

I recommend these stencils  I purchased (pictured above) from Amazon.  You can see in my picture below how I used it for my header in my savings tracker a few years ago.  You can definitely get more creative than I did…lol.

Amazon Bullet Dot Journal

I think a bullet journal is best for people who don’t mind spending the time it takes to create their journal.  This option is also good for creative people who find working on your journal and the creative process to be therapeutic.  

If my schedule permitted me to, I would’ve definitely used this as a financial goal planner.

Law Of Attraction Goal Planner

Law of attraction planner

The Law of Attraction Goal Planner is designed to increase productivity and happiness!  I promise this planner, really will make you happier…lol.  

I know you’re thinking “How can a goal planner make me happier?” They have these great affirmations and questions that trigger thoughts of gratitude. It has definitely put me in a better mood on days I wasn’t feeling so great.  

This planner is good for productivity because it will help manage your time and force you to break down goals into more manageable pieces.

It includes a fold-out vision board, mind maps, reflection pages, habit trackers, to-do lists, blank journal pages, stickers, and a folder in the back.  The layout of the planner starts with extensive brainstorming and goal setting. 

After you have mapped out all the goals you would like to achieve, the layout is a monthly view followed by weekly/daily views. 

There is also a notes and reflection section at the end of each month.  This triggers you to think about all the things you accomplished (and didn’t accomplish) for the month.  It makes you think about ways you can do better next month and celebrates your accomplishments so far.


  • It is more affordable than other planners like it.  Expect to pay between $15-$40.
  • You can get a dated or undated version of this planner—so you don’t have to wait until January to get started.
  • 90-day money back guarantee.
  • They have an undated version, so you don’t have to wait until January to use it.
  • This is a life planner, and it forces you to think about how to improve all the areas of your life (including finances).


  • You can’t customize the planner exactly how you want it.
  • If you purchase the undated version, you have to spend time dating it.

My Opinion/How I Use It:

I highly recommend the Law Of Attraction Goal Planner.  When I used this planner, I definitely found myself being more productive and happier.  

I like that this planner forces you to envision all the things you want to accomplish–not just things for this year, but throughout your lifetime.  

The Law of Attraction Goal Planner is very thought-provoking.  It makes you think about what you want to accomplish and then prompts you to reflect on your progress periodically. It also makes you contemplate other areas in your life you would like to improve.  

For someone like me that’s really focused on finances, I think I need that reminder to consider other areas I can improve.

I used the Law Of Attraction planner last year as my planner, and I will use it as my planner next year.  

I think this option is best for people who want a planner that’s all set up and ready for them to just plug in their goals.  This is also a great planner for people who are looking to improve in all areas of their life–not just finances.  

Some of the other areas in your life this planner prompts you to think about are spiritual, health, career, family, relationship, and personal growth.

I would recommend the Law Of Attraction planner to most of my readers.

Agendio Planner (Custom Planner)

Amazon Financial Goal Planner

The Agendio Planner is truly a customizable planner.  The options are so endless that it is inevitable you will be able to create a planner that’s exactly (or extremely close to) how you want it.  

Agendio offers 349 models, 17 page configurations, and 3 sizes (Journal, Medium, and Large). The ways you can organize and arrange your planner are pretty limitless, and you may end up with something that looks TOTALLY different than what I designed.


  • You can customize the journal exactly how you want it.  There are a TON of customization options.
  • You can add your own custom events like birthdays, anniversaries, and religious holidays so you never forget.
  • You don’t have to wait until January to use it because you can customize it to start whenever you want.
  • They save your design for you so it’s easy to re-order in the future.


  • It’s the most expensive option on this list for paper planners. Expect to pay between $50-$80.  My planner was $63 after paying for add-ons and shipping.
  • It may take a lot of time to set up your planner if you’re a perfectionist like me.  Be prepared to spend a few hours designing your planner.  I spent about four hours building my planner on their website.
  • Your planner might still not be perfect because you may forget to add a detail.  You probably won’t realize the flaw in your design until you receive your planner.
  • No refunds if you don’t like the planner.  Agendio says this is due to the “custom-built for the purchaser’s unique needs.”

My Opinion/How I Use It:

Agendio Planner
My actual planner from a few years ago…it’s a little beat up. Lol

I used this as my goal planner a few years ago.  I chose the large size, notebook-style planner (Model #: 32560). 

My planner layout is a monthly view, followed by notes, and then weekly views (see the pictures below).  I added custom events such as the birthday of my friends and family, and religious holidays.  

Finally, I added other additional custom features such as extra pages, elastic band, and a pocket in the back.  It cost $8 more for those additions.

My planner’s base price was $46+ $8 for upgrades + $9 for shipping, making my total $63.  You can see a visual of my customization by clicking HERE.

Agendio Planner
Agendio Planner
Agendio Planner

I decided to purchase this planner (instead of the Law of Attraction planner) in 2018 because the Law of Attraction planner only met about 90% of the things I wanted in a planner.  

However, after using the Agendio planner, I don’t think it was worth spending double what I spent for the Law of Attraction planner.

I recommend this planner for people who can’t seem to find a planner that fits their lifestyle.  Maybe you searched all over, and still haven’t come across a planner that has everything you need.  

For example, maybe you work nights, and all the planners you see have their daily hours from 8AM – 8PM.  Or maybe you just don’t like the design of other planners. If that’s the case, an Agendio planner would be perfect for you because you can make it exactly to your liking.

After using the Agendio planner, I realized it still had flaws.  I would admit these flaws are NOT Agendio’s fault.  It was my fault because I forgot to add details, or I realized my design was not ideal.  

So my point is, you may spend a lot of hours designing this planner and significantly more money, and it’s still not perfect.  So be very careful in your planning.

Overall, I would still recommend an Agendio planner if you absolutely cannot find a planner you like.  In that case, I would give Agendio a try. However, if you found a planner that meets 90% of your needs, but costs half the price as an Agendio planner, then stick with that one!

free Resource Library


A financial goal planner will allow you to be more successful with your money than if you didn’t plan.  Making a plan also allows you to have more control of your money, and helps you get closer to your financial goals quicker.

By planning and taking actions to accomplish your financial goals, you will see that you will be in a better place financially and have more money. For those reasons, I recommend you invest in a financial goal planner today.

Other Resources:

  • I put together this video so you can see all the physical planners I have side by side.  I also review each one and go into a little more detail about what each planner looks like inside.

(Please excuse some of the background noise…I live in NYC)

Related Articles: 

If you want to remember this article, pin it to your favorite Pinterest board.

financial goal planner pin
financial goal planner pin