You need to determine what your, and if applicable, your spouse or partner’s, actual values are. What is important to you and why? Once you figure out your values then that will make determining your financial goals that much easier. And you will have goals that you really want to achieve. Finally, you match up your actions to meet those goals.
Values => Goals => Actions
If each transaction you make is for the specific purpose of achieving a goal that was born out of a value, you will be motivated and easily achieve your goals.
For example, if you were to tell me that you value home improvement in order to build equity in your home, I may expect to see expenses for places that can help you do that. If you were to tell me that you value paying off debt, I may expect to see where you are making extra payments to really pay down the total owed. But if you only told me those were your values, but then all that I looked at did not back that up, I would ask if those are truly your values.