1. Think about your 15 year goals.  Where do you want to be?
2. Set achievable and incremental goals (that can increase little by little), having take into account your income and obligations.
3. Assign each goal a priority; Start with the most important when I can't reach them all.
4. Consider giving up or deferring a goal to reach another.
5. Consider if you can achieve your goals personal with less money.
6. Remember that you can reach your goals with different instruments such as savings, credit, insurance and  others.

The most important thing is that your goals are consistent with your budget: your expenses, savings and income of all months.