[Aviza]

Savings and repay debt goals are boring and slow. I need goals I can accomplish sooner. I generally get whatever I put my mind to. So building my credit, paying off debt, and all that are well and good, as well as losing weight. But why am I doing all this?

To buy a newer used car, to buy my own condo. So I can build equity. But is having my own condo a smart idea? I live in a nice subsidized apartment. I'll eventually move to a section 8 place. So I'm torn on my goals. I'd like to save but I'm on disability. My goal of getting off it well no longer a goal. I need to accept I'm disabled. So that alters my future plans. And I'm kind of unsure right now what my goals are.

[MrsA]

You could break your long term goals into small daily goals and monthly goals. That might make it more interesting to have an accomplishment to celebrate at the end of the day. It could be something simple like exercising a certain number of minutes or learning one new fact a day.

[sarahsweets]

I think you should stay in your current housing and then maybe the section 8. Buying a house or condo is a big deal. When something breaks you have to be prepared to fix it because there is no landlord to do it.

[divine1966]

Do not buy condo or a house. Stay where you are at. If you are on disability and work part time, buying property doesn’t sound reasonable to me.

If you want short term goal, how about increasing credit score by how many points each 3 months or something like that? Save for a car however much you plan on saving?