1. Define your goals: Identify what you want to achieve with your finances. It can be anything from saving for an emergency, buying a house, investing, to reducing debt. Be specific in your goals.

2. Set realistic deadlines: Determine when you want to achieve each goal. Having a deadline helps you plan and make financial decisions with that goal in mind.

3. Prioritize your goals: If you have several goals, rank them according to their importance and urgency. This will allow you to focus on what matters most first.

4. Create an action plan: Break down each goal into small, manageable steps. If your goal is to save a significant amount of money, decide how much you need to save monthly to achieve it.

5. Review and adjust regularly: Your financial situation can change, and so can your goals. Review your progress regularly and adjust your plans as needed.

6. Maintain an emergency fund: Before focusing on other financial goals, make sure you have an emergency fund. This protects you against unforeseen events without having to deviate from your goals.

7. Educate yourself: Invest time in financial education. Understanding the basics of personal finance, investing and saving will better equip you to make informed decisions.

Remember that setting financial goals is an ongoing and adaptive process. The key is to get started, stay disciplined and adjust your plans as your circumstances and priorities change.

Translated by: A.M