LumiNola / iStock.com The recent Ramsey Solutions State of Personal Finance survey identified prioritizing saving and getting rid of debt as some of the top 2025 resolutions. However, staying motivated and focused to work toward such goals isn’t always easy when you’re busy juggling life.Find Out: How Much Money Do Americans Have in Their Bank Accounts in 2025?Read Next: 5 Subtly Genius Moves All Wealthy People Make With Their MoneyA finance vision board is one creative and fun tool that can regularly remind you of which money goals you’d like to achieve, and how they’ll improve your life. Making this type of visual collage also gives you the chance to reflect on the steps required to reach your goals.Here are five steps you can take to create your finance vision board.You should first determine and jot down your short- to long-term money goals. The Consumer Financial Protection Bureau recommends SMART goals that have a specific intent and timeline, are personally meaningful and are something you can measure and realistically achieve.Examples include saving up a $20,000 down payment for a home in three years, having $1,200 in your emergency fund in six months and wiping your $3,000 credit card debt in one year.When determining goals, look at your finances to ensure they’re doable and work out steps for achieving each. For instance, you might review your budget and make room to save $200 per month for your emergency fund goal. Also, identify the benefits you’ll enjoy when you achieve that goal, such as having more financial security and relying less on debt.Consider These: 8 Must-Read Personal Finance Books of 2024 for a Fresh Start in 2025With your goals identified, you can now decide whether you’d prefer a physical or digital finance vision board.You might like the physical form, such as a posterboard, if you’re a crafty person who enjoys cutting out and gluing pictures, adding items like glitter and customizing your board in a hands-on way. This is also a good format if you want the board in a fixed place.The digital version can be more convenient, flexible and shareable. You won’t have to worry about buying and using craft materials since you can simply use online tools like Canva or download templates to make one.Think about your money goals to identify pictures, text, charts and other items that represent them and the changes they’ll bring to your life. They should be personal and have an emotional appeal to increase motivation.Say your goal is paying off a high-interest credit card. To visualize a better life after the debt, you could gather images of a dream vacation, peaceful scenery and cash representing savings. You can also use quotes from money experts, personal affirmations, relevant statistics or even snippets of financial documents that show why the debt must go.Feel free to be creative and tap into your emotions, but keep all visuals related to the financial goal. You should also limit items to avoid too much
Ven. Gen 31st, 2025
