10/21/2013 06:13 pm ET | Updated Nov 05, 2013

4 Goal Setting Tricks When You're Working on Your Credit

Working on your credit can sometimes feel like a drag. I believe it can be fast and easy and even fun but I have to admit that there are times when you're combing through the details and checking your reports for errors when you'd much rather be watching some football or episode of Friends.

Here are four goal setting tricks that you can use when you're working on your credit to help you maximize your efficiency and stick with it even when the going gets tough.

1. Keep the real reason in mind. What's the real reason you want to work on your credit? No, it's not so you can get a good credit score. That's a good reason and an important one but it's not the REAL reason. The real reason is because you want to use your higher credit score for something. Maybe a bigger house or a nicer car or a student loan or just so you can sleep well at night because you know that you'll have the credit to handle emergencies. Whatever the reason, create a collage of pictures that remind you of that reason and keep that collage s
o you can see it. (For example, if you want to use your higher credit to get a mortgage so you can buy a nicer house, put a few pictures of a nicer house on a piece of paper, perhaps around a photograph of your family).

2. Set a time and focus for that period of time. Set aside an hour but do focused work for 10 minute segments with a 5 minute break in between. By the end of the hour you'll have worked 40 minutes and enjoyed a break for 20 minutes but believe me, you'll get more done that way than if you just sat down and tried to do it for a full hour.

3. Set action-based goals for yourself: It's tempting to set a goal like "I want to have a credit score of 800 by next month" but that is hard to do and frankly it's out of your control. Instead, you should build goals around your own actions. For example "I want to pay down all my credit cards to within 20 percent of their high level limit by next month." See the difference? The second one is built around an action you can take.

4. Create smaller rewards: A lot of people focus on the reward of higher credit scores but you'll get more done if you reward yourself throughout the process. For example, create little rewards (like chocolate bars and other guilty pleasures, or sleeping in on Saturday) that you get if you achieve one of the goals that you set for yourself.

Working on your credit can be fast and easy and fun... but sometimes when you're in the middle of it, it might not feel that way. Use these four goals setting tips to help you make it even more exciting and to get more done sooner!