and they are easier to manage. third, take a look at which one will be more important in the long term. owning your own house, for example, is a good thing but if your goal is to open your own business and become your own boss then this is something that is going to let you accomplish that goal and later on save for a house or other long-term goals.
after you have your top five (or however many you have if you don’t have five) savings goals listed then you need to take the money that you decided in the previous step to set aside for saving and apply it 