We all have goals we want to reach with our personal finances. Maybe you're saving up to buy a house, go back to school, buy a car, or even just go on a dream vacation. Setting these goals is easy to do, but actually achieving them can be challenging. It requires advance planning and financial savviness, which can be tricky if you're living on a budget. Here are some tips to help you achieve your financial goals.

Save in small amounts

If you try to put away big chunks of money on a regular basis, it's going to feel overwhelming and cut into your cash flow dramatically. However, if you make a habit of putting away a small amount of money every week or so, you'll start building up your savings quickly, and it won't feel so daunting. Choose an amount you know you won't stress over - it could be as low as $20 per week - but really commit to saving that money on a schedule. Once it becomes a habit, your savings account will start to grow. See what you can realistically cut out Many people get overenthusiastic about cutting back on their spending when they first start to save up for a financial goal. However, cutting out many of your normal expenses can cause huge levels of stress. Instead, think hard about creative ways to cut back without giving up things you enjoy or value. For example, if you enjoy buying new clothes, consider switching to thrift shopping instead of buying clothes new. If you like to go out to eat, teach yourself to cook at home and invite friends over. If you have the option to take public transport instead of having a car, this can also help you save.

Look for extra work

Another good way to save is to look for small side jobs where you can earn extra money. With the onset of the gig economy, it's easier than ever to pick up freelance work. Consider driving for a ride-share service, selling goods on an online marketplace, or even picking up online freelance work within your industry.