25 responses

  1. UltimateSmartMoney

    Nicely said… I also have many things that I want to accomplish but usually I find myself not taking much action. I think the reason is because I become somewhat lazy. I end up not considering them with any urgency.

    Regarding accountability, for those who are married, you can use your spouse to make you accountable. Bottom line is that you must be motivated to accomplish the things you want to accomplish especially dealing with finances.

    • Money Cactus

      I have been pretty lazy for a long time myself, but I have realised that putting off the little things can have a big impact in the end.

  2. krantcents

    Break it down to smaller items and you will have an easier time. For example, check one item a day or make one change a day. This is true of exercise, habits and finances.

    • Money Cactus

      Absolutely right, it needs to be small and simple or you just won’t do it.

  3. Maria@moneyprinciple

    Very informative but osme of the suggestions seem obvious but are difficult to achieve. I also agree with Krant that ‘chunking down’ is a useful technique.

  4. Shaun

    Hey Maria, which ones are difficult and why. I’m really interested in trying to make this easier for people

  5. Aaron Hung

    I find myself doing multiple things at once sometimes and in the end you start kicking yourself because the end product wasn’t what you expected. So it’s good to focus on one and ‘get it done’ before moving to the next.

    • Money Cactus

      Hey Aaron,

      It is far easier to do one thing at a time, particularly if it is easy to achieve. the trouble is we can all get a little ahead of ourselves, which is why it is nice to have someone else that can hold us accountable and remind us of what we should be doing.

  6. 101 Centavos

    I like your approach to accountability. I find myself writing my blogging goals in a regular ol’ pen and paper journal I keep. They’re easy to re-visit every day, as I cross reference post ideas and progress.

  7. Money Cactus

    I’m a big fan of pen and paper, I’m not sure I could ever go 100% paperless.

  8. cashflowmantra

    I have heard it said that most people can only pursue 3 goals at one time. So this New Year’s when resolution time rolls around, I will focus on only 3 main goals and design a plan to achieve those goals.

    • Shaun

      Great idea to set just a few specific goals. I only had one this year and managed to reach it successfully. Maybe I’ll step it up and try a couple next year :)

  9. Miss T @ Prairie Eco-Thrifter

    Awesome post. I love this ” If you are really serious about your personal finances, then it might be worth implementing some whip cracking tactics in order to get more done.” Well said.

    I think it really helps to break things down into manageable chunks. Nothing is worse than overwhelming yourself in the efforts to try to do good.

    Great list of tools. I actually use all of the ones you listed and I must say, they are a huge help to success.

    • Shaun

      Great to hear you use all of the tools, you must be getting a lot done! which do you think has been most effective?

  10. My University Money

    I try and get the majority of my short-term goals done in the mornings since I know my motivation definitely lags in the afternoon. I also love keeping the long-term goal of early retirement (very early) in my head to keep me motivated.

    • Shaun

      I’m usually more productive in the morning, but that is usually when I’m at work. I try to force myself to do something goal related every day, even when I don’t feel like it. With a bit of practice it has got easier, but it has involved a few late nights!

  11. Marissa

    Blogging is helping me stay accountable with my goals. Sometimes it feels like a chore but I like having accomplishments and failures tracked.

    • Shaun

      I’m not as open about my personal finances on my blog as others are, but I do use it to hold myself accountable (gotta practice what you preach). I agree that blogging can definitely feel like a chore sometimes, but recognizing and celebrating your achievements helps.

  12. Lisa @ Cents To Save

    I like using paper and pencil to keep track of my spending and bills. Excel boggles my mind.

    I tend to be a multitasker and will have many things going at once. I think that is a mommy thing. But, in order to complete most of these tasks I will have to write down a daily list of 5 things that really need to be addressed or finished. This keeps me on task and gives me a sense of accomplishment.

    • Shaun

      Mothers do tend to be better at this sort of thing! Sounds like you have a good systems that works, and in the end, that is all you need.

  13. Financial Samurai

    Nice post mate! I do like the recommendation to do one thing. It makes it that much more powerful and likely.

    Never heard of Stikk. Might have to check it out!



    • Shaun

      Thanks Sam,

      It almost sounds like underachieving, but doing one thing at a time really is the best way to go.

      Let me know what you think of Stickk.

  14. Carrie – Careful Cents

    I definitely agree with the accountability tip. I have to force myself at times to work with a “hard ass” or knit picky person, but I always remind myself of how much better they are making me. And how much more productive I am once I’m pushing myself.

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