1.5.5 Summary of key messages

• It's important to set short-, medium- and long-term financial goals.
• Make sure your goals are SMART: Specific, Measurable, Achievable, Realistic and Time-Framed.
• Break your financial goal into monthly pieces and add that amount to your budget. Adjust your spending in other areas if necessary to meet your monthly savings goal.

At the end of the module, you will find an Action plan. This is a tool that you can use to track your progress and take the next steps to manage your income and expenses successfully in the future. Use the action plan as a roadmap for financial action!