Gather round the table one and all. It’s time for mom, pop and the kids to set some family financial goals – an important step in creating a budget to pay off debt for any household. The truth is, studies show that people who work towards set goals are far more likely to succeed over those who do not set goals. That’s because goals provide encouragement, focus, and direction to fulfil hopes and dreams. Not to mention, setting and pursuing goals can be fun.