YOUR REWARD CHART
Take the time out of your schedule to create a reward chart for yourself. Think about what your short- and long-term financial goals are and how you should reward yourself for achieving them. You can make this in Excel and add pictures or photos. If you are new to the financial fitness process, you can start with one or two easy goals, but as you do this for longer, you should challenge yourself to achieve more difficult goals.
An example of a short-term goal is not using your credit card for a month, or spending only a certain amount of money a week, or paying down a certain amount of your student loans or credit cards. The goal should be achievable within a month, and at the end of the month, if you have accomplished this, give yourself a small reward. This could be an iTunes gift card, an extra cocktail when you go out, or a new pair of earrings.
An example of a long-term goal is something that you could accomplish within six months to a year. It could be the same as the short-term goal, only larger in size. If you accomplish this goal, you should have a bigger reward. This could be a new purse, a fancy dinner, or a nice bottle of wine. Please keep in mind that your rewards should not create additional financial burdens on you, so keep them appropriately sized, given your goals.