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Set and Meet Financial Goals
The MMI Online Articles are designed to inform, assist, educate and alert consumers.
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Any time is the right time to set some attainable financial goals. The credit experts at Money Management International offer these examples of some smart financial goals:
- I will make informed financial decisions, understanding the difference between wants and needs.
- I will communicate with my family about money matters so that we are all working toward the same goals.
- I will be aware of the effects of advertising on the financial decisions I make, and resolve not to be influenced by them.
- I will take care of my finances today by tracking expenses and creating a budget that is flexible and realistic.
- I will take care of my finances tomorrow by saving for my future.
- I will meet the credit obligations I have made on time and as agreed.
- I will continue my personal education about financial health, budgeting, credit, and personal debt.
- I will plan for periodic expenses, including the next holiday season.
- By good example, I will teach my children the importance of budgeting, saving, and the wise use of credit.
- Finally, if I am over-obligated, I will take the necessary steps to seek assistance.
However, setting goals and keeping them are two different matters. To help keep your goals:
- Make sure your goals are realistic and flexible. If you set your goals too high, frustration will keep you from keeping them.
- Remind yourself of your goals on a regular basis. At the very least, you should write your goals down and post it them where you will see them every day.
- Surround yourself with photographs of what you are striving for. For example, if your goal is to save enough money to go to Hawaii, try cutting pictures of Hawaiian scenes out of magazines and plastering them around your home or car, or tacking them to the bulletin board next to your desk.
Finally, once you’ve decided what you are going to accomplish, be confident. A little discipline can really pay off.
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