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- Defining your goals is an important
- tool for tweaking your personal
- finances. It gives you something to
- dream about at night and
- something to work toward during
- the day. Once you identify your
- goals, they help shape your
- spending and saving habits. You
- can have short-term goals (I want
- to go on vacation) and long-term
- goals (I want to retire when I'm
- 65). If you are in debt, getting
- yourself out of debt is definitely
- a goal, and can be either a
- short-term or long-term goal.
-