The Smartest Money Goals to Achieve in 2022

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Every single person that’s reading this article is blessed with the ability to have, spend, and use their money as they please.

If you’re anything like me – then you’ll understand firsthand how chaotic life can be if you don’t know how to use your money. In this post, we will discuss the most important money goals you need to be looking towards for next year.

Once you become a master of your own money, you’ll be on your way to living your dreams and accomplishing your goals.


More than likely, when you became an adult, you realized that you don’t know what you’re doing – and no one is going to do it for you. And that’s okay. By reading through this post, you can take the first step into becoming a more responsible, confident, and abled individual. Just like Mr. Krabs.

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Immerse Yourself in Finance

It’s a common myth that you need to be a ‘numbers person’ in order to be good with finances.

Thankfully, personal finance is something that anyone is able to understand, even myself.

When I actually took the initiative to learn about finances, it completely changed my life.

I was able to pay off a few thousand dollars in 6 months (working in fast-food) and continued to save up enough to quit my job and go freelance.

Immersing yourself and investing your time into finance, will pay you back 10 fold.

If you don’t believe me – there are plenty of other people on the internet with similar & more impressive stories than mine.

When I first started my finance journey, I was able to soak up a ton of information through courses, books, and podcasts.

Here’s some personal favorites of mine from Amazon:

Also, check out this post about realistic money hacks you can use.

All About Income Streams

Adding an additional income stream is all of the talk right now in the finance world.

I do understand that a lot of people can’t have an additional income stream because they’re too busy.

But if you have time – having an additional income stream can improve the quality of your life a ton.

I personally just started working on my additional income stream, and I’m well on my way to making a part-time income from it.

Not only does it create a better quality of life for you & your family, but it also provides some added comfort knowing that you have a job if the one you have ever failed.

There are too many stories from individuals who were fired before retiring or who lost their homes because they weren’t prepared to lose their jobs.

I mean – just look at how many people lost their jobs because of Covid.


Create a Portfolio

If you’re someone who just throws money into Robinhood with no consideration into what you’re putting your money into – you’re doing it wrong.

Creating an investment portfolio is something everyone should do.

These portfolios help with minimizing risk and in turn – will lead to you increasing your profits.

There are many stories from people who were able to make a lot of money through making smart investments in stocks. Thankfully, we still have the opportunity to do this for ourselves as well.

If you’re new to stocks & the stock market, I suggest you spend some time reading this book from Amazon.

When done right, some individuals decide to quit their job and work full-time investing and day-trading.

Create a Goal Sheet

Do you want to retire at 50? Write it down.

You want to go on vacation in Cancun in 3 years? Write it down.

Also, I feel it’s important to mention that a goal sheet ≠ a budget. A goal sheet is simply a paper that lists what your main goals are for your money.

Having a goal sheet can be as simple as carrying around a sticky note in your wallet.

This will encourage you to focus on what you’re saving your money for and will help you to stay consistent with your goals.

On my goal sheet, I have ‘being my own boss’ as a goal. Where do you think I am now? 😜

Do You Know How to Budget?

If you haven’t heard – a budget is simply a way of keeping track of what money you’re making and what you’re doing with that money.

Having a budget can lead to a ton of opportunities and allow you to live your life the way you want to.

While having a budget won’t inherently make you any richer, it will show you how much you’re actually making.

Budgets can not only help you with saving in the short term, but they can also help you keep your long-term financial goals in check.


They help you to be realistic about what you can be doing with your money.

A lot of people decide to follow the 50/30/20 rule. Which is 50% to your needs, 30% for your wants, and 20% for savings.

This tends to be a very realistic and attainable goal for even beginners who are looking to budget their money. You can adjust it as needed.

If you’re looking for a good way to budget your money, I suggest this budget planner from Amazon.

Improve Your Credit Score

When you think of credit cards, you may be one of the individuals who visualizes drowning in debt and high-interest rates.

But actually, credit cards are a great opportunity for individuals who use them properly.

In fact, having the right credit card and using it properly can actually MAKE you money.

Having a good credit score will help with purchasing a home, renting an apartment, buying a car, getting a loan, and so much more.

If you haven’t done anything with your credit and you’re a beginner, today is the best day to start.

If you’re looking into making money by improving your credit score, feel free to look at this blog post about making and earning extra cash by using credit cards.

Reduce Your Expenses

It is estimated that thousands of individuals are paying for subscriptions that they don’t even use.

I mean – think about it.

Do you really need that Hulu subscription if you only watch a movie every few months?

Reducing your expenses on items that you don’t use or use very rarely, will allow you to have more money for yourself and your savings.

You can reduce your expenses by taking very simple steps such as:

  • Having a budget
  • Reducing your electricity use
  • Deciding not to eat out
  • Getting rid of old subscriptions
  • Getting rid of a gym subscription that you don’t use.

If you’re not wanting to get rid of subscriptions that you use every once in a while, consider getting a service that gives you an all-in-one.

Prioritize Your Savings

We typically view having a savings account and an emergency fund (link to a book about emergency fund or course) as a ‘beginners’ financial goal. But in reality, it is something we all should continually be investing in.

Every single person should have a savings and emergency fund for any unforeseen issues that may occur.

Having an emergency fund can be the difference between having a car or being able to pay medical expenses.

If you ask me, putting away a few dollars every few weeks is well worth it for the long run.

To build an emergency fund, all you need to do is put away some of your paychecks into a savings account. You can do this by automatic payments or manually transfer your money every few weeks.

Know When to Spend Money on YOU

If you’re a regular visitor to my blog, you know that I am a big believer in taking care of your mental, emotional, and physical health through productive self-care.

Sometimes, we spend too much on ourselves.

Sometimes, we don’t spend enough and we drown ourselves in responsibilities for ‘what-ifs’.

Both of these decisions are the incorrect way of thinking and using your money.

We don’t know if today or tomorrow will be your last day so you shouldn’t stress too much about keeping every penny for savings.

It’s best to find a balance. You should be saving most of your money, and using the rest for living expenses and some for yourself.

You shouldn’t feel guilty if you want to get your nails done every once in a while.



If you take care of your finances, then your finances will take care of you.

The most important thing you can do is to understand personal finance, create a budget, and use your money to your advantage.

Also, subscribe to my blog to learn about more ways you can save money.

Also, if you’re looking for ways you can generally just get your sh*t together – grab this free printable.

Toodles 🙂