Who wouldn’t want to be in tip-top financial shape? Everyone does, but the problem is not about the desire to do so, but the will and determination to see things through when committing to pursue financial wellness. Really, it is not impossible to take the plunge but a matter of rechanneling your energy and focusing on better financial goals.

If your goal is to be financially fit, then go ahead it’s not impossible. Everyone can achieve that goal and surprisingly, all it takes is determination and commitment to follow through on your steps towards financial health.

A  study found that one in three Australians do not have a clear view of their financial well-being and that only one in five are “very confident” that they can achieve their financial goals.

Here are the takeaways from that study that can help you get financially fit and know the secrets to make it realistic and possible.

Set realistic expectations and goals

Identify your financial goals and be realistic about them. Most people often find themselves failing to achieve their goals because they set very high expectations without carefully assessing their financial capabilities.

Start to take control of your financial well-being and take time to sit down and list all you plan to achieve for the year. Once you have it down on paper, try to validate your goals versus your capacity to earn and save money from your average income.

If you want to embark on a business venture or startup as a goal, try to assess your options and see if it can be achieved based on what you have available at your disposal.

Change of lifestyle

Evaluate your lifestyle and see how it impacts your financial standing. Have you ever checked your cash flow? Have you considered how your lifestyle affects your income and spending? These are just some of the few but critical questions you need to ask yourself if you want to strategize your financial well-being.

You can always manage to make adjustments that could put you in better financial shape.

Be conscious and manage your cash flow

Take control of your money, not the other way around.

Always make a conscious effort to see where your money goes so you may be able to make adjustments on how to budget and spend your income.

Develop the discipline to save money

You may be surprised to find out that you could be spending more than what you are ideally allowed to, especially when you have visibility over your finances.

If you feel you lack the empowerment to save money from your current financial situation, try to start small and then work your way up. A few dollars today could end up a few thousand dollars in a year or two. So do not hesitate to take the first step.