Consumers have told us that they sometimes find common financial rules of thumb—like “spend no more than 30% of your take-home pay on your wants”—hard to apply to their own circumstances. Don’t feel discouraged, you can decide on your own personal rule to live by that works for your financial situation. Give yourself simple guidelines for managing your spending on today’s wants. Use this worksheet to create your own personal rule to live by that will help you meet your savings goals. Breaking your goals into small actionable steps will keep you from feeling overwhelmed. Writing down your goal will make you much more likely to stick to it.