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1.http://www.mentalhealthamerica.net/managing-your-money
2.https://www.moneymanagement.org/Budgeting-Tools/Credit-Articles/Money-and-Budgeting/How-To-Set-and-Keep-Personal-Financial-Goals.aspx?RCTAG=FLM

3.http://www.goodfinancialcents.com/good-financial-goals/

4.http://www.investopedia.com/articles/pf/09/financial-responsibility.asp

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I have a few friends that I know in the past that have been very impulsive buyers. They would often see something they found interesting then bought it even though it was useless and expensive. Then later they often regretted their purchases.

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I have been working at Bob Evans for about 2 and a half years now. Through this I already have some money in retirement which will continue to grow over time

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It is never too late to start saving and or investing. This is an important thing to understand, money if invested or saved wisely can accumulate fast.

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The only real way to accomplish a goal is to have a plan. Long term goals always have a list of short term goals built in. Without short term goals within a long term goal you are less likely to accomplish your goal.

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Start as soon as possible. The earlier that you start the more money you can accumulate over time. Simple but true. Also investing intelligently early can make you accumulate a significantly greater amount down the road.

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Whenever extra money or saving come your way first consider putting it toward savings for a specific thing. It is important to note that you should have intentions for your saved money because without purpose you are more likely to spend it.

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With every check you make 10% should go into a savings account that you do not touch.

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It is important for you to understand how much you make and how much of that will go to bills or other expenses.