2012 Financial Goals: Have You Set Yours?
Have you thought of what you want to accomplish next year, put it in writing and are now figuring how you will achieve those goals? Probably not. As a matter of fact, most people set goals with absolutely no plan or even hope of how they will hit those goals.
But the more specific you are about what you want to achieve, the more likely the outcomes. As a matter of fact, instead of saying that you are setting goals, think more on the lines of setting outcomes. Here are a few examples about planning for those outcomes in specific areas of your financial life.
Retirement
Set a goal as to when you will stop working, how much you will want to make, where you will want to live and the things you would want to do. Then put that into a retirement calculator which will tell you how much you will need to invest monthly to achieve that goal. Remember also that you can invest in your company’s 401(K) plan and your company may provide matching funds which will help you achieve your goals.
Education
For college funding for your children, there are many calculators you can use, but first choose the three schools your child would likely attend. Then with the cost of the tuition, room and board, books and other fees, calculate your monthly required investment. Keep in mind that there are grants, scholarships and loan programs that could help you hit your kid’s goal as well. Then make sure you child does their part by keeping up with their studies.
Paying Off Credit Card Debt
For those of you with a lot of pesky credit bills, planning is everything. First and foremost, find a way to stop using credit. Maybe switch to a debit card where you cannot spend what you don’t have. Next, compile a list of all of your balances. Then put together a plan to pay off the smallest first. Paying off a credit card is psychologically pleasing so starting with the smallest is the best way to keep your mind in the game. This is a disciplined process and the more planning you can do, the better.
Remember, to hit your goals, you must have a plan. Make 2012 the year for your best financial outcomes.
Good luck and happy investing.
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