Setting and achieving financial goals is an important part of personal finance management. Here are some tips for setting and achieving money goals in the new year:

• Define Your Goals: Start by defining your financial goals. Whether it's saving for a major purchase, paying off debt, or building an emergency fund, having clear and specific goals will help you stay focused.
• Create a Budget: A budget is a crucial tool for managing your finances. By tracking your income and expenses, you can identify areas where you can cut back and allocate more funds towards your goals.
• Automate Savings: Set up automatic transfers to your savings account to ensure that you consistently set aside money towards your goals. This can be particularly helpful for long-term goals like retirement savings.
• Monitor Your Progress: Regularly review your financial progress to see if you're on track to meet your goals. If necessary, make adjustments to your budget and savings plan to stay on course.
• Seek Professional Advice: Consider consulting with a financial advisor to get personalized guidance on how to achieve your money goals. They can provide valuable insights and strategies based on your individual financial situation.

For example, if your goal is to save for a down payment on a house, you might create a budget that includes cutting back on non-essential expenses and allocating a specific amount of money towards your savings account each month. By automating this process, you can steadily build your down payment fund over time.

References:

1. "The Total Money Makeover" by Dave Ramsey - This book offers practical advice on setting and achieving financial goals.
2. Forbes - The financial section of Forbes provides articles and expert advice on personal finance and goal setting.