Create a Spending Wish List

It’s great to have cool things, but it’s important to remember that these cool things cost money. The best way to prepare for buying something is to make a “wish list” and start saving today. Here's one way to write a wish list:

1. List your short-term goals (3 months or less)
   example: Crocs / cost: $30
    
2. List your mid-term goals (3 - 12 months)
   example: Nintendo Wii / cost: $350
    
3. My long-term goals (more than 1 year)
   example: a car / cost: $8,000