How to crush your financial goals in 2026
Have you set goals in the past that you didn’t reach? You’re not alone. Often, a goal isn’t reached because a clear and achievable process isn’t used. A goal without a plan is like searching for a location without a map.
Find out how you can set financial goals in 2026 and make them happen.
Use the SMART framework
SMART is an acronym that stands for Specific, Measurable, Achievable, Relevant and Time-based. This is an easy-to-use framework that can help you design goals that are focused and, therefore, will give you a better chance of reaching them.
How can you use the SMART framework?
Specific – make your goal specific.
For example, a goal that is specific might be: To save $3,000 to travel.
A goal that isn’t specific might be: To save money to travel.
Measurable – make sure you can track the progress of your goal.
For example, a measurable goal might be: To save $3,000 by the end of the year to travel.
A goal that isn’t measurable might be: To save money to travel soon.
Achievable – make sure you can break down what you need to do to reach the goal.
For example, an achievable goal might be: To put $250 a month in a savings account to save $3,000 by the end of the year.
A goal that isn’t achievable might be: To put spare money in a savings account when I can, and save $3,000 by the end of the year.
Relevant – ensure the goal is relevant for your financial situation.
For example, a relevant goal might be: To stop buying takeaway coffee and put that money in my travel savings fund.
A goal that isn’t relevant might be: To put money into a travel fund whenever I come across extra money.
Time-based – set a deadline.
For example, a time-based goal might be: To put $250 a month in a savings account that will result in a total of $3,000 by 31 December.
A goal that isn’t time-based might be: Save $3,000.
Want to find out how you can kick goals with your super? If you would like to explore your options, why not connect with one of our NGS Super Specialists? Talking with a Super Specialist is complimentary, and they can answer your questions about superannuation, investments, insurance or planning for retirement. They can also help you decide the next steps – including if a meeting with an NGS Financial Planner is right for you.
Take control of your financial future. Visit ngssuper.com.au to get started.
This is general information only and does not take into account your objectives, financial situation or needs. Before acting on this information, or making an investment decision, consider whether it is appropriate to you and read our Financial Services Guide, Product Disclosure Statements and Target Market Determinations. You should also consider obtaining financial, taxation and/or legal advice tailored to your personal circumstances before making a decision. This information has been issued by NGS Super Pty Ltd ABN 46 003 491 487 AFSL 233 154 as trustee for NGS Super ABN 73 549 180 515.
