Being a person, it is normal that we have something we try to achieve. Our goals might be small and not complicated at all, but they can seem like a trip to the moon too. The second group of goals is the one where a lot of things never happens. Often we don’t even try to get closer, as we are just sure that we will not be able to get there.
Today, I will try to explain to you how to make these goals realistic in our heads and how to set them, so we are actually getting closer to achieving them.
As an example, I will make buying a home. I feel like many of us might dream about it and at the same time, it might seem like something impossible to do. We might think that we earn too less or that our credit score is so low. Or whatever else the reason is. I also think, that buying a home is quite a complicated task itself, which makes it a great example to explain it. It is also one of my goals, so I went through these steps myself, which makes it much easier for me to talk about.
So with setting such a big task, the best thing is to go from general to specific. In that case, our goal will be just to buy a home. It is quite straightforward. Not much to explain.
Next step is a bit more complicated. Here you need to come out with all the things you think must happen. You don’t have to think about the order at this point, just write everything that comes to your mind. It could be something like: ‘I need to find a property’, ‘I need to save my deposit money’, ‘I need to get a mortgage’… You can come with as many things as you can. But let’s say you came up just with these three.
The third step is to put your list in the right order. I mean, you will probably not look for a property to buy, if you still haven’t got any savings for a deposit. It would be pretty much waste of time, as till you’ll save enough your dream property might be bought by someone else. On the other hand, you will not get a mortgage, if you haven’t found a home and you will not be able to buy a home if you will not get a mortgage. That makes these steps on the same level.
Having this done, you need to take your first thing from your list and analyse it properly. You can make a sublist to decide where you can get this extra money from. Just come up with as many ideas as you can. It can be something like finding an extra job, reducing going out for dinner, selling all unnecessary stuff, or whatever fits your situation. After take the next thing and also make a list of what has to happen or if it is a simple task, just write all your options to achieve it. And when you’ll get point go through your list and see which of these simple tasks you can start working on now. You might start saving money towards a deposit, you could also try to improve your credit score if it is low, maybe you could find an additional source of income to speed the things up.
As you’ll get this first steps almost done, start working on all next steps you can think of. Let’s say you already have a fair sum of money saved, so you can start looking on properties within your budget or see how much more will you need for the property, which is more expensive. You can start talking to banks to find out how much they can borrow you and what you can do to improve the deal you’ll get from them. All this will depend on the steps you will come up with on the beginning.
But to sum up, the main thing is to split a huge goal into as small tasks as you only can. And keep getting them done one by one. The other important thing is to review your tasks from time to time. Maybe you found out that you will need some insurance, or you’ll have to do some other things you couldn’t know when you were just dreaming, but you found out on the way?
I hope this post was helpful and that you enjoyed reading it. I wish you a very productive day and I’ll see you in my next post.