Thinking about personal finances is something most people do, and they are often a stress in a lot of people’s lies. With it being the beginning of the year, Andy’s kicking off a series on some tips of tools and strategies that have worked for us and are user-friendly for everyone. This week we talk about SMART goals and how they help with saving for the things that we really need to have, like an emergency fund, and for the things that we want to do, like going on vacation. Note: neither of us are certified financial planners, and we are only sharing ideas that have benefited us.