In 2025, I blew past my goal of $12k and hit $20k. Here is the framework I used:
Goals must be Specific, Measurable, Achievable, Relevant, and Time-bound.
Check your progress every 3 months. Track your net worth and your "Ding-Ding" challenges.
Make paying off your mortgage fun by using savings games and trackers. It turns a chore into a win!