Fixant des objectifs financiers - partie 2

In my earlier article “Setting Financial Goals – Part 1” I identified the 4 simple steps to setting up achievable financial goals. I mentioned that your financial goals should be broken down into smaller more manageable goals and then written down to help you visualize them. This article expands upon that information.

Writing your goals down has an additional effect besides allowing you to properly focus in on their success. In some cases you will discover that some of your goals are unfortunately so broad focused that they are unobtainable. However, don’t despair, as you will also be able to identify the smaller more tightly focused and thus achievable goals very quickly and easily. When writing down your goals don’t be afraid to dream about riches or retiring early in life just be realistic in your expectations.

Goals are more easily obtainable when they are broken down into separate steps or categories based on time frames. When you place a time frame on your goals you are programming your mind to subconsciously motivate itself to succeed in fulfilling your goals. There are 3 time frames that are generally recommended for goal setting. They are short-term goals (within 1 year), intermediate goals (3-5 years) and long term goals (5 years or longer).

A short-term goal generally takes one year or less to achieve, based on the date the task is needed, the total estimated cost, and the required savings. An intermediate-term goal is the type of goal that can't be accomplished overnight but doesn’t require many years to accomplish. Examples might include buying a car, getting an education or paying off your debts like credit cards. Normally an intermediate-goal is anywhere from 1-3 years. Finally a long-term goal is a goal that requires an extensive time commitment (5 years or longer) in order to get accomplished or fulfilled. Examples of long-term goals might include college education for a child, retirement plan or purchasing a home. Whatever the case, these goals generally require longer commitments and often more money in the end.

As we stated before you will need to accurately identify what your financial goals are in order to have them come true. You will need to identify the necessary steps that need to be taken in order to achieve your goals. Examples of such steps include the following:

· Start placing 5% or 10% of your paycheck in a savings account.

Le · s'instruisent sur différentes stratégies de placement telles que des IRA, des stocks, des fonds communs de placement mutualistes et de divers autres investissements personnels. Il y a beaucoup plus et tout peut vous aider dans des buts à court et à long terme.

Le · lui font un budget pour vous-même que des feuilles vous avec une certaine somme d'argent supplémentaire (se rappeler le 5% ou le 10%) et un bâton.

Prise de · chaque occasion d'employer des bons. Elle semble comme la petite épargne, mais une fois supplémentaire ensemble te pourrait sauver 20-30 dollars à chaque voyage au magasin d'épicerie.

Le · comparent les prix avant d'acheter les affaires et ne vivent pas en dehors de de vos moyens.

Le travail de · avec un conseiller de crédit pour obtenir l'aide en abaissant vos dépenses mensuelles et à se débarasser de votre dette.

Ce sont justes certaines des choses que vous pouvez faire afin de réaliser vos buts financiers. Si vous vraiment placez votre esprit à lui et visualisez l'accomplissement réussi de vos buts vous constaterez qu'ils sont plus possibles à la longue.