Saving isn’t easy and a clear vision of your goals will help you to ‘stick to the plan’. Once you have a clear idea of your goals be sure to balance your shorter-term goals with medium to longer-term goals.

Short-term: something you want to achieve in the next 2 years.
Medium-term: something you want to achieve within 2 – 5 years.
Long-term: something you want to achieve that will take 5 to 30 years to reach.

Once you know which short, medium and long-term goals you want to plan for, you must break them down in more detail and plan how to reach each one.