How to set financial goals, to achieve them

Get Rich Motivation / by admin / December 19, 2019

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1. Conduct training

For goal setting need foundation, otherwise it may fall apart or be unattainable. In finance important certainty, and therefore we need to start with a strict accounting of costs and revenues. This will help you understand how and for what purpose you spend, what most "eats" your budget and from what spending can be waived.

I prefer to record income and expenses in a notebook homemade colored handles. In the "Income" section I'm doing, including gifts and surprises. After 2-3 months there is a clear pattern of spending. I divide them into categories: accounts, entertainment, food, and training. Ask: "Why do I need to earn more? Where I'll be spending this money? "Planning is easier when you realize your future expenses and submit them to the list.

Ain Aliyev, the founder of start-Sky-Dacha

Once the preparatory work is completed, you will be able to set a right and, most importantly, achievable goals. It is not excluded that will have to begin not with the accumulation of money for a trip to Mexico, and small. For example, make sure that your

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costs do not exceed revenues.

2. Decide on the amount and timing

Any financial goal should be stated very clearly. This applies both to the amount you want to save and the time that you are willing to spend to achieve that goal.

The phrase "I want a lot of money" or "I want nothing had need" will not work. Regardless of what a person has an income, he always wants more, and the notion of wealth varies with income. Therefore, you need to understand exactly how much you need the money. For example: "Accumulate 200,000 rubles to repair the end of this year." This is an example of a specific and clearly circumscribed financial goals.

Nikita Borisov, a professional financier

"I want to be a Millionaire" - a bad goal. It is designated a particular item aspirations (1 000 000), but does not specify that this money then do. Do you intend to keep them at home, to invest these funds in their job or maybe spend? Do you need a million, or 950 000, too, will be enough? You want to get the amount at once or in installments? This goal is too many questions and devoid of specifics. So, most likely, and it will not be achieved.

Oksana Kolchin, commercial director of "ATOL"

Properly set financial goals usually seem to be boring. For example: to buy by November 1, winter tires, I need 30,000 rubles. To do this, set aside 5 000 per month.

3. Be realistic

Dreaming is not bad, however, and dreams must be achievable. If your income - 50 000 rubles per month, and the expenses - 40 000 rubles, to accumulate a million in six months you can hardly.

On the one hand, this situation discourages. And on the other, may push to rash adventures like hiking in the casino on borrowed money, gambling, or the attachment of all savings in cryptocurrency.

It is therefore important to realism. After analyzing your spending, you can find out the amount you can accumulate on a monthly basis without such "extreme". It should be the basis for planning.

Hard to get up every day to work, receive additional education, save when your goal - to buy a castle in Italy. Break up a large and seemingly unattainable dream into small blocks. Achieving them, you will see your daily progress toward the goal.

Sundalov Maxim, head of online schools English language EnglishDom

In addition, financial goals should be your personal. If you are afraid to drive, what to save for a car, giving up the travel that you love? Or your parents want you to buy their housing, but it needs to take credit. You also want to go abroad to study.

Important: financial goals should enhance your life, not only here and now, but also in the long term.

4. prioritize

You can at the same time to plan the purchase of apartments, cars and a trip to Cyprus, trying to put off everything little by little. But it is unlikely you will succeed. Prioritize. So you can understand that you need - the machine or Cyprus. And to save already on one thing, the concrete.

That will have a "road map", which will give a clear answer to the question as to which deductions should be done on a monthly basis. For storage, I recommend to open an individual investment account. The yield on stock market transactions is significantly higher profitability of banking products, and in addition, investschetov owners tax breaks.

Avedis Vartanov, Head of Training Department QBF

And that's easy to reach short-term goals may be more. But, as experts recommend no more than 4-5, otherwise the effectiveness of solving problems will decrease and you will begin to disperse its forces on trifles.

5. Mark waypoints

Be the strategy: it will help not only the right to set a goal, but it quickly to achieve.

Let's say you have accumulated 100 000 rubles. This is the point where you are now. And there is a point where you want to go - for example, one million rubles. The distance between these points should be divided into three parts, and for each of them to come up with a definite strategy. First move to the first intermediate point, then - for the second and third. The final amount will not look too grand, and the dream gradually becomes a reality.

Vladimir Chabason cofounder service Fins.money

6. Program itself to achieving the goal of

There are techniques that help to translate your plans from the category set out in the pre-programmed.

Write on a sheet of paper 100 of your desires and goals that just come to mind. Once the list is ready, cut it in half. Then make it a few more times until you have no 8-12 most important goals. At this point, those items that are left on your list, will enter deep into the subconscious. And your brain and mind will lead you to achieve these goals.

Sergey Lektorovich, head of the group of companies "Innovative fire safety systems"

Visualize your steps. For example, determine how much you will be able to hold off on an apartment worth 3 million rubles. Suppose this is 30 000 rubles per month. Take the apartment plan, divide it into 100 squares and hang it on the fridge. Each installment (passed step) marks on the dream map (plan of the apartment).

Eugene Movchan, the main business service engineer Fins.money

7. Be prepared to make adjustments

Force majeure case - it must be taken as a given. And it is important to be able to quickly change plansBased on the current conditions.

You may need to cut spending and stretch the terms of the decision of tasks. Even your goal in this scenario is gradually approaching.

Important: after reaching the same goal immediately put another. Otherwise, it would not be motivated to postpone and to invest the money and earned money quickly used up.

Be guided by the principle: "There is a dream - to go to her. You can not go - crawl. You can not crawl - lie down and lie in the direction of the dream. " The main thing - to believe that everything will turn out.