Ok, maybe tomorrow you won’t see much of a difference, but in a month, you will, and in a year, you may have to come up with new goals because this article helped you accomplish your current ones  Do an income/spending ratio analysis to inform yourself where you are at. The first thing to hitting almost every goal, including your money goals, is to be well informed. When hitting your money goals, you should know how much money you are spending and on what, to reevaluate your situation. Look at how much money you spend on the big required stuff like Rent, insurance, student loan payments and car payments. Then…