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When 97% of us struggle to get going, we find it difficult to simply write down goals and stick to them. If you are part of the 3% that find this easy, well done you, but unfortunately for most of us, this isn’t the case. You’re not alone. Don’t be too hard on yourself as these things can be tricky. It can be difficult if you see reaching your financial goals as climbing a massive mountain. It’s not. Start small and work your way up.

Our advice at Rockwell is to start with one thing. Just pick one thing and stick to it for a period of time. This could be promising to take 10% of your take-home pay and save it into an account that you can’t get access to. Start by even just doing this and committing to it. You’ll waste your time writing a list of 10 issues to tackle all at once, start small and work your way up.

The best advice we often give in terms of setting financial plans is don’t overcomplicate it. Set yourself a simple task and do that one thing. Once you’ve done that one thing, great! You can tick it off the box and move on to the next, and the next, and the next. From this, we begin to start a habit. All good planning comes from forming habits because habits ultimately deliver outcomes.

On average, it takes more than 2 months before a new behaviour becomes automatic — 66 days to be exact. Not very long, is it? Alternatively, following the 21/90 rule states that it takes 21 days to make a habit and 90 days to make it a permanent lifestyle change. If you commit to your goal for 21 days, it will become a habit.  Then if you can commit to your goal for 90 days and it will simply become a part of your lifestyle.


Plans are good for helping to form goals but plans with no outcomes or action are simply useless. They’re just thoughts on a piece of paper. They actually have no relevance to your future because unless something is done to put those plans into action, then it’s a waste of time.


This is where we can help. We will give you advice no matter what stage you are at, we’ll help you get the ball rolling. We’ll set you a simple task to accomplish, and you’ll feel great once you can accomplish it. Now that we have you in the habit of doing things over time we can start to add bigger financial goals for you to reach.


The main point we want you to understand is to start small, start feasible. Delete the ten-step plan and start one step at a time. Once we are on track to achieve our initial goals, well then we can start to look at other goals to tackle. The fact of the matter is, unfortunately, in terms of your financial goals, nothing will be achieved until you get up and start. Get in touch with us today to start forming smart habits and reaching your financial goals.

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