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Setting Goals
 

You wouldn't start down a road without having a destination in mind. In this journey, the destination is achieving your financial goals.

 

Because you've picked this guidebook up, you may already have some financial goals in mind.


But it's important to write them down—seeing them on paper makes them real and also helps keep them in front of you when the road seems long.

 

   
 

Your goals will probably fall into one of five types:

 

  • Make ends meet—You want enough money every month to pay your bills and expenses, and have enough left over to treat yourself to a night out.
  • Improve your credit—Your credit score is too low to qualify for loans or your low score means higher fees and interest charges.
  • Save for the future—You need a "nest egg" for emergencies, college savings, retirement, or down payments on houses or cars.
  • Cut debt—You feel like you have too many credit cards or unpaid bills that are adding up or making it difficult to keep up with payments.
  • Make major purchases—You're in the market for a new home, car, boat, or other big-ticket purchase.
   
 

 

Use this chart to write down your financial goals:

  • What are your financial goals? For example, buying a new car or a house, cutting down your debt, improving your credit, ...
  • When do you want to achieve them?
  • Why do you want to reach those goals? Do you want a safe place for your children to play? Do you want peace of mind? Spend some time thinking about the "Why's"—they're the reasons you are willing to work to achieve your goals.
  • How are you going to achieve these goals? As you read this Guide, you can fill in your ideas to achieve your goals.
   
 

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