How to get Money Motivated

Set Specific Financial Goals
Use numbers and dates, not just words, to describe what you want to accomplish with your money. How much debt do you want to pay off—and when? How much do you want saved, and by what date?
Adopt a Spending Mantra
Pick out a positive phrase that acts like a mini rule of thumb for how you spend. For example, ask yourself, “Is this [fill in purchase here] better than Bali next year?” or “Do I really need this?”
Make Bite-Size Money Goals
One study showed that the further away a goal seems, and the less sure we are about when it will happen, the more likely we are to give up. So in addition to focusing on big goals (say, buying a home), aim to also set smaller, short-term goals along the way that will reap quicker results.
Banish Toxic Money Thoughts
Hello, self-fulfilling prophecy! If you psych yourself out before you even get started (“I’ll never pay off debt!”), then you’re setting yourself up to fail. Don’t be a fatalist, and switch to more positive mantras.
Learn How to Savour
Savouring means appreciating what you have now, instead of trying to get happy by acquiring more things.