Making a list and checking it twice could help you set sound financial goals according to Gay Pustaver from Money Management Counselors. Forming good financial habits is one thing, but establishing goals might be a way to take it another step. Whether it is using your tax refund more efficiently or cutting bills in different places to save up for a vacation, Pustaver says writing it down makes it more real.

Pustaver says after writing down your goals, you should put them somewhere you can see them and diagnose how those issues keep coming up. You can listen to the entire Money Management Monday interview with Gay Pustaver online with this story.