Be Realistic when creating a budget - if you are currently spending $1,000 a month on groceries to feed the family, setting a food budget goal of $500 is not realistic. Work on getting the monthly food expenses down to $800-$900 first and then keep cutting costs when you can.
Be realistic when paying down debt - Paying off a $10,000 credit card balance or a $25,000 car loan is going take some hard work and some time. Set up a realistic pay-down plan and stick to it. Be patient, you will see progress.
Be realistic when setting savings goals - A goal of building a $20,000 emergency fund in 3 months is probably not a realistic goal for most people. Figure out how much you can reasonably put into savings each month and do it.
Don't get me wrong. This doesn't mean you set supper easy goals, you want to make your financial goals a bit of a reach, just don't make them outrageously so.
***all posts applying to my family only - your results will be different***
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