I dont know if it is just me or others also experience it. I always set goals financially, set limits in spending and trying hard to save but most of the time no matter how i tell myself to refrain from spending in unnecessary things whenever i see something i really like even if i dont need it i cant resist buying it that cause me to regret later. Are you familiar with this situation?
I agree, it's really all about goal setting. And it is important to have smart goals. Test if your goal is SMART.
Is your goal:
S(pecific)
M(easureable)
A(chievable)
R(ealistic)
T(time frame)