Many of us resolve over and over again to get our spending habits in check, reduce our debt, or “save some money”. But for some reason, these nebulous ambitions never materialize into quantifiable results. The reason could be either that you are not setting attainable goals or that you are not taking the necessary steps to reach your goals (or both). And if you’re experiencing monetary misfortunes, you may not have the extra cash on hand to hire a financial planner to help you out of the hole you’ve dug. So here are a few simple steps you can take to set financial goals that you can actually implement and follow through on.