First of all, you must understand what a goal is, and you probably do. It is something you desire to complete sometime in the future. When it is a financial goal, it has a monetary value. Therefore, you must spend money to complete it. You have two choices to complete a financial goal. You can buy it now on credit and have a goal to pay off the debt, or you can have a goal to have the money in the future. Most people will probably have both kinds of goals.
If you have debt, your goal should be to pay it off. For example, if you have a 30 year mortgage for $200,000, your goal should be to pay a little each month and have it all paid off by year 30. If you have credit card debt of $4,000, your goal should be to pay it off as soon as possible because credit card rates are very high.
Paying off debt is often a less desirable goal. Most people would rather have more goals like save for retirement, save for a new car, save for a vacation, etc. These can all be goals, which brings us to our next point, not all goals have the same time frame. You will want to complete some goals in 40 years such as retirement, and others in a few months such as a vacation. You should have all kinds of goals and be working towards them all. Completing your goals will have a great satisfaction both because you have gotten what you wanted and worked hard to get there.