Introducing the Spergel resolutions and goals tracker
Setting goals and resolutions is a great way to start the year on a positive note, but sticking to them is often easier said than done. That’s why here at Spergel, the ‘get rid of debt’ people, we’re excited to introduce our Resolutions and Goals Tracker – a practical, easy-to-use resource designed to help you stay on track with your aspirations. Whether you’re focusing on reducing your debts, paying off credit cards, or setting savings goals, our tracker is built to simplify the process and empower you to succeed.
At Spergel, we’ve spent over 35 years helping Canadians take control of their finances and achieve their goals. Our new Resolutions and Goals Tracker is another step in this mission, built with our expertise in mind.
Why use a resolutions and goals tracker?
Achieving your goals is a journey, not an overnight accomplishment. For those looking to become debt-free, this tracker can serve as a powerful tool to help you stay motivated, track your progress, and reflect on your achievements. Studies show that people who set specific, measurable goals and track their progress are 42% more likely to achieve them.
Using a resolutions and goals tracker allows you to:
- Track financial progress: monitor your debt repayment efforts and celebrate your milestones along the way.
- Stay motivated: visualize your accomplishments with metrics like success rates and goals achieved.
- Set realistic goals: break down large resolutions, like paying off debt, into manageable steps and timeframes.
- Reflect and improve: use built-in prompts to evaluate what worked and refine your approach.
- Stay accountable: with your goals in clear view, it’s easier to stay committed and consistent.
Real-life scenarios
Here’s how Canadians are using our resolutions and goals tracker to transform their aspirations into achievements:
- Larissa, focused on becoming debt-free, relied on the resolutions tracker to monitor her financial milestones. After filing a consumer proposal with Spergel, she reduced her debt by 50% and needed a way to stick to making her monthly repayments. Within a year, she paid off her credit card debt, stuck to making her consumer proposal repayments religiously, and is on the pathway to a fresh financial future.
- Sarah started the year with a resolution to become debt-free. She used the goals tracker to break down the credit card debt she accrued into affordable monthly repayments. Each month, she logged her payments, tracked her success rate, and reflected on challenges, like cutting back on unnecessary subscriptions. By staying consistent and using the tracker’s reflection notes to stay motivated, Sarah not only paid off her debt by the end of the year but also built a habit of financial accountability that set her up for future success.
What’s included in the resolutions and goals tracker?
Our tracker includes everything you need to stay organized and on top of your goals:
- Goal setting and tracking: start by listing all your resolutions and goals in the “Total Goals Set” section. Track your achievements in the “Goals Achieved” column and watch your “Success Rate” grow over time.
- Reflection notes: document your challenges, victories, and learnings in the dedicated reflection area. This section helps you understand what’s working and where you can improve.
- Frequency customization: track goals based on your preferred timeline – daily, weekly, monthly, quarterly, or yearly – to match your lifestyle and priorities.
- Progress markers: stay consistent with daily frequency markings that make it easy to monitor habits and tasks.
How to use the resolutions and goals tracker
Our tracker is straightforward and user-friendly. Here’s how to get started:
- Set your goals. Define clear, specific resolutions and enter them into the “Total Goals Set” section. For example, instead of “Pay off debt,” try “Pay $500 toward credit card debt each month.”
- Log your progress. Use the daily frequency markings to track efforts. Update the “Goals Achieved” column regularly to celebrate successes.
- Reflect and adjust. Write down observations in the reflection notes. Use these insights to refine your strategies and maintain momentum.
- Monitor your success rate. Keep an eye on your progress and see how your consistency translates into results.
- Check in regularly. Update the tracker weekly or monthly to stay aligned with your goals and make adjustments as needed.
Privacy and trust
Your data stays private with our downloadable tracker, stored securely on your personal device. You can track your goals with confidence, knowing your information is safe.
Goals to try in 2025
Not sure where to start? Here are some ideas to inspire you:
- Finance: set a goal to pay off a specific debt by the end of the year or start a debt repayment plan.
- Health: create a budget for health-related expenses and track monthly savings for wellness goals.
- Career: update your resume to reflect your financial accomplishments, such as reducing debt or increasing savings.
- Personal Growth: start a financial journal to track your savings, investments, and spending habits monthly.
Get started with the resolutions and goals tracker
Take charge of your goals today. Download our resolutions and goals tracker, go to File > Make a copy to create your personalized version, and start turning your aspirations into achievements.
Whether you’re pursuing financial freedom or personal growth, Spergel is here to support you every step of the way. If you’re facing unmanageable debt, book a FREE no-obligation consultation with one of our expert Licensed Insolvency Trustees today.