Setting up a budget challenge for yourself is a great way to set goals, so you can push yourself into a better situation and keep you growing from there!
An emergency fund is crucial for financial safety. If you don't currently have one or want it to be higher, this is an excellent goal to set for yourself.
Try starting your list of goals with three savings goals and three spending reduction goals. Doing this will help you stay organized and will help you achieve what you want with your finances.
Now that you are organized and have a plan, you can get started! Keeping up with your goals can be challenging at first because you will be breaking old habits and developing new ones.