Determine your trajectory
Where you’re headed is way more important than where you are. Are you getting further ahead or further behind? Do you have more money in your savings account than you did a year ago? Less? Has your debt level increased or decreased over the past few months? Over the past year?
If you aren’t sure, use today’s numbers as your starting point and track these numbers again over the next few months. You’ll get a good idea of which direction you’re headed.
How do you accomplish this tracking? There are some great online tools that can help. Sources like Digit can be great trackers and motivators! Not a “techie”? Put these numbers on a note card that you will see routinely. Tape it to the fridge or hang on your closet door.