Answer: False. 10 things? I'm already overwhelmed! Start with 2 or 3 goals; it's much easier to work toward a handful of smart moves that will make a big impact on your money. Don't overdo it, and the odds of reaching your goals will increase.

Answer: False. 10 things? I'm already overwhelmed! Start with 2 or 3 goals; it's much easier to work toward a handful of smart moves that will make a big impact on your money. Don't overdo it, and the odds of reaching your goals will increase.

Answer: B. Believe it or not, telling others about your financial goals helps keep you accountable. But be careful about sharing your goals on social media; you don't want to share any private info that could make you a target for thieves.

Answer: B. Believe it or not, telling others about your financial goals helps keep you accountable. But be careful about sharing your goals on social media; you don't want to share any private info that could make you a target for thieves.

Answer: A: Automation is a good thing! Start by setting up automatic transfers from your checking to savings account - even $10 a paycheck can make a dent. Some banks also offer a “round up” option that will send a handful of change to your savings account each time you make a purchase on your debit card. Who knows? You may already have access to tools that can help you save cash without giving it a second thought.

Answer: A: Automation is a good thing! Start by setting up automatic transfers from your checking to savings account - even $10 a paycheck can make a dent. Some banks also offer a “round up” option that will send a handful of change to your savings account each time you make a purchase on your debit card. Who knows? You may already have access to tools that can help you save cash without giving it a second thought.

Answer: Goal B. When you're outlining goals, you have to be specific. Goal B is fairly undefined – how will you plan to pay down all that debt? What realistic steps need to be taken? Too much wiggle room means you're less likely to achieve your "to do". We admit, goal A isn't deeply defined either, but at least there's a hard deadline assigned to it.

Answer: Goal B. When you're outlining goals, you have to be specific. Goal B is fairly undefined – how will you plan to pay down all that debt? What realistic steps need to be taken? Too much wiggle room means you're less likely to achieve your "to do". We admit, goal A isn't deeply defined either, but at least there's a hard deadline assigned to it.

Answer: E – All of the above. Being realistic about your goals means forgiving yourself for money missteps here and there. Does that mean your goal is unattainable? Absolutely not! It simply means that when you get off track, you get right back on it again. Don't worry - you can still reward yourself, whether it's a nice dinner out or a new owl statue.

Answer: E – All of the above. Being realistic about your goals means forgiving yourself for money missteps here and there. Does that mean your goal is unattainable? Absolutely not! It simply means that when you get off track, you get right back on it again. Don't worry - you can still reward yourself, whether it's a nice dinner out or a new owl statue.