--- title: How to make your short-term savings goals come true description: Working toward short-term savings? We'll look at the five key things we'll need to know to achieve our financial goals. image: https://blog.ffbkc.com/hubfs/Projects/2020/2.%20Blog/Hero%20Image/Saving/savings%20goals-blog-hero.jpg --- - [Rates](https://www.ffbkc.com/rates/) - [Help](https://www.ffbkc.com/help/) - [About](https://www.ffbkc.com/about/) - [Careers](https://www.ffbkc.com/careers/) - [Contact](https://www.ffbkc.com/contact/) - [Locations](https://www.ffbkc.com/locations/) - Search [![First Federal Bank of Kansas City](https://blog.ffbkc.com/hubfs/raw_assets/public/First_Federal_Bank_July_2020/images/logo.svg "First Federal Bank of Kansas City")](https://www.ffbkc.com/) - Login - [Online banking](https://secure-firstfedbankkc.com/SignOn/Logon) - [Make a loan payment](https://paybill.com/consumer/?ClientId=FFBKC_Reg) - [Locations](https://www.ffbkc.com/locations/) - [Contact](https://www.ffbkc.com/contact/) - [Search](https://www.ffbkc.com/search/) - [Borrow](https://www.ffbkc.com/borrow/) - Column 1 - [Borrow](https://www.ffbkc.com/borrow/) - 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Registered User (free service)](https://paybill.com/consumer/?ClientId=FFBKC_Reg) [Locations](https://www.ffbkc.com/locations/) [Types of loans](https://www.ffbkc.com/borrow/) [Types of checking accounts](https://www.ffbkc.com/bank/checking/) [Pay an appraisal or questionnaire fee](https://payments.firstfederal.unipaydirect.com/customerinfo.aspx) # How to make your short-term savings goals come true - [Home](https://www.ffbkc.com/) - [Wellbeingville](https://blog.ffbkc.com) - How to make your short-term savings goals come true ## Know the road ahead and how much you'll need Maybe you’ve been dreaming about a week on the beach with the family. The sun. The ocean breeze. The tropical drinks. The only problem? You don’t have the cash right now to hop on the next flight out of town.  We all have our eye on some things we want in the next few years, whether it’s that beach trip, a new TV for the man cave, or maybe a new car. Whatever it is, we know we want it. And if we don’t have the cash laying around, we’ll need some way to pay for it.  The good news is we can put together a quick plan for how we’ll get to our around-the-corner goals. Let’s take a look at some things we’ll need to know to reach our short-term savings goals.  ## Understand your goal  You wouldn’t start a road trip without knowing where you’re going, right? In other words, it’s important to know what we’re saving for, when we’ll need the money, and about how much it’ll cost. We won’t need a precise amount - just a ballpark number that’ll help guide us as we build toward our [short-term savings goals](https://www.ffbkc.com/learn/saving/5-steps-to-help-prioritize-savings-goals-for-now-and-in-the-future/). With a roadmap for where we’re headed, we’ll have a smoother journey.   ## Know your budget  We need to figure out how much we can put toward short-term savings goals each month. For some, this may be a good chance to take a look at your monthly budget and see what might be left at the end of the month. Looking at our budget can help us figure out how much we have to put toward this goal. (If you’re thinking this is a good time to take a look at your budget, our [budget worksheet](https://www.ffbkc.com/documents/15/FFB_budgetworksheet.pdf) can make it easy to see where you stand).  Find the right home for your money  What’s often overlooked is that we’ll need a home for this money to sit and grow. Since we’ll need it in the near future, we want easy access to it. At the same time, it’s important to get it out of our [checking account](https://www.ffbkc.com/documents/47/041720_CheckingAccount_MustHaves.pdf) so we aren’t tempted to spend it on other things. We need a savings account - hopefully, a separate one just for this goal. We’ve put together a quick guide for what a [savings account](https://www.ffbkc.com/documents/45/FFB_SavingsAccountMustHaves.pdf) should do for you. ## Map out the plan  Sometimes we just need to see the progress we’re making on the journey toward our short-term savings goals. For some, seeing that progress visually makes all the difference. Consider a countdown calendar that tracks your progress. Or even a checklist. Not only will you see your success, you’ll also get a feeling of accomplishment each time you move yourself a little closer to your goal.  ## Celebrate success  Let’s recognize the progress we’re making. Maybe we hit the $500 mark along the way to our savings goal. Let’s celebrate it. And no, this doesn’t mean we go throw a big party (womp womp). Think of it as doing something nice for ourselves to reinforce that habit of continuing to put money aside – for example, we could give ourselves permission to binge watch that TV show everyone has been talking about. Or maybe it’s giving ourselves a little guilt-free time off. We have a [list of fun activities](https://www.ffbkc.com/documents/50/FFB_8FreeThingsToDoInKC.pdf) you can do around Kansas City – all for free! With the right know-how, you can make those around-the-corner dreams more than just a dream. For more great help, check out our [Ruling Your Tomorrows ebook](https://learn.ffbkc.com/ruling-your-tomorrows-ebook). #### Download our Mobile Banking app [![Download the First Federal Mobile Banking for iPhone app on the App Store](https://blog.ffbkc.com/hubfs/raw_assets/public/First_Federal_Bank_July_2020/images/app_store.original.png)](https://itunes.apple.com/us/app/first-federal-mobile-banking-for-iphone/id905357916?mt=8) [![Get the First Federal Mobile Banking app on Google Play](https://blog.ffbkc.com/hubfs/raw_assets/public/First_Federal_Bank_July_2020/images/google_play.original.png)](https://play.google.com/store/apps/details?id=com.ffbok.mobile) ## Related Content ##### [Where to Put Your Short-term Savings You have money that you may need to get to. Maybe it’s money in an emergency fund. Maybe it’s savings that you just don’t feel comfortable locking up. Article](https://blog.ffbkc.com/where-to-put-your-short-term-savings) ##### [12 tips to save your first $1,000 Saving money doesn't have to mean living like a hermit. Article](https://blog.ffbkc.com/12-tips-to-save-your-first-1000) ##### [5 tips to help you boost your savings We can rationalize a lot of things. It usually sounds like this: Article](https://blog.ffbkc.com/5-tips-to-help-you-boost-your-savings) - Routing Number: 301071592 - [816.241.7800](tel:8162417800) - P.O. 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