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2. Set Three Goals for the Month

Next, you need to turn your core values into concrete plans. For a 30-day financial challenge, it's a good idea to begin by focusing on three short-term goals that line up with your values. For example, if you value security, you may want to set a goal of saving a certain amount of money this month. If you value health or comfort, consider planning to cook all your meals at home rather than dining out. Make sure these goals are specific and achievable, even if they require a little extra work. Post them in a spot where you'll see them every day.

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