Consider your goals in order of priority. Then, choose just two to work on at a time. While it’s great to have several goals, working toward all of them at once will slow down your progress for each one. Imagine thinking about your next vacation when your vacation fund only has $20, then $25, then $30 in it over several months because you have so many other goals parceled out. Scale back and focus with intent on your two most important savings goals. Once you achieve your goal amount for one, switch it out with a new goal. Continue to rotate through goals as needed.
If you don’t have an emergency fund, start there and work up to a financial cushion of three to six months of your typical expenses. From there, it’s all up to you.