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Step 1: Set Your Goals

Setting your financial goals puts you in charge of your money and your life. Your goals can be short or long term, small or large, but they all need to be achievable. The first step to getting things sorted is to work out where you want to be financially and what your priorities are.


Plan - the areas you need to think about

Current financial health and where you want to be in the future

  • Are you able to pay all your bills on time and in full?
  • Are you able to pay for all that you need (food/clothing/hygiene) in full at the time of purchase?
  • After paying bills and purchasing necessities, do you have any money left over to save?
  • Do you own your home?
  • Do you own your car?
  • Are you able to afford a vacation?
  • Are you responsible for other people?

Setting goals

  • Be specific, realistic, and write down your goals
  • Keep each goal simple and give it a timeframe and a dollar amount


Do - the changes you are going to make based on your goals

Monthly

  • Changes you are willing to make to your daily/weekly routine

Quarterly

  • Changes you are willing to make over a 3-month period

Annually

  • Changes you are willing to make over a 1-year period


Review - the assessment activities you are going to do

Your goals regularly depending on their size

  • Make sure your goals are still important to you
  • Decide if you need to make any changes

Your spending habits for the week/month to look for additional opportunities

  • Look at your spending habits and see if they are consistent with the goals you set
  • Look at your saving habits and see if they are consistent with the goals you set



next step: pay yourself first


Review your progress every six months or once a year, on a specific date written in your diary or calendar. When you achieve a goal, celebrate! Then set yourself a new goal. Get better prepared with REALTALK right away!


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