If you’re eyeing to accomplish something in your life, a GOAL is something you need. This also applies with money which we call Financial Goals. Most common Financial Goals are to pay up debt or saving up for retirement.

Are you one of them? If yes, you may want to try a money saving challenge to make it more fun and less of a responsibility. You know, we’re all kids at heart and nobody wants to do adulting stuff (except for children who wants to become adults only to realise when they grow up how much fun it is being a kid). And even if you haven’t thought of set up a savings plan in place, perhaps this is a good time to start.

When it comes to creating financial goals, it’s important to make sure they are S.M.A.R.T.


First is you have clearly defined what your goal is. One of the reasons most goals are never achieved is because it lacks definition which usually results to lack of commitment.

Giving yourself a deadline per se is one way to do it. Want to pay up your debt? Give yourself a week, month or year.

Second, know why you’re doing it. When you are clear with your purpose, you’ll find more ways to be motivated. We’re all human after all which means we’re prone to more temptations. When this happens just accept it and try to get back on track again.

Lastly, have a plan on how you’re going to accomplish your goal. Let’s continue with our sample earlier of paying debt, depending how much debt you need to pay, have a specific sum of money to save per month and see how long would it take to finally accomplish your Financial Goal.


Make sure to have tangible evidence as you try to complete your goal such as tracking your savings and expenses. Many are feel skeptical doing this as they think it’s time consuming. If you’re one of them, just think about this. When you write down something, the more you see loopholes that your mind usually

Here’s a FREE BUDGETING TEMPLATE to help you with that. A little help from me to you so you can get started. Click below to get it!




It is the pinnacle of a smart goal-setting strategy. Be realistic when choosing and planning your goal. Belief in yourself is one thing but making sure your goal is attainable is a necessity to avoid getting disheartened. Achievable goals should help keep you motivated.

How do you make sure your goals are achievable? Here are a few tips:

  1. Try answering the 5 W’s: Who, What, Why, Which and Where. This enables you to be more specific on your goals, therefore, making it more achievable.
  2. Set a time-frame. Have you ever been on a diet? Did it work? Most people are so in a hurry to get into action yet forget to set a time-frame when they want to have their goal achieved. Next time you try going for a diet, set your target date to accomplish your target weight.
  3. Make them relevant. Make your goal have enough reason to change something in you or other people/ things. You’ll always have the tendency to focus more on your goal if you know that reason behind what you’re doing it for.


Take time to contemplate on this and make sure your goal is Result-Oriented and NOT Action-Oriented. It means that you should not only focus on the activities necessary to achieve your goal, but to place importance on measurable outcomes. (In other words, you can’t just rely on good intentions to complete your goal).

Result Orented are described to have an impact or outcome that is an enduring quality. It can change (improve) more than one type of action and some actions that will have more impact on them than others. It doesn’t have a start or finish nor are they a series of steps to follow. E.g. Decrease travel during peak-hour or reduce overtime hours

Action Oriented aren’t true goals, even though it’s common to refer to the completion of a task or project as a goal. It doesn’t describe an impact or outcome that is an enduring quality that can continually improve, or that continually matters. It consumes resources and time. are It is usually done or completed, rather than achieved. E.g. Building a network for priority buses or conducting training about time management for all staff to attend

Time bound

It means that you acknowledge that you should set a time frame to achieve your goal as this creates a sense of urgency, otherwise your goal is less likely to produce the outcome you wish. A better way to do this is to break-up your goals according to its timeline.

  1. Immediate goals are things you can implement within a week or two. E.g. Start a new exercise routine every morning.
  2. Short-term goals can be achieved within three months. E.g. Saving a sum of money to buy a gift for your husband.
  3. Medium-term goals can be achieved within a year. E.g. Have a baby.
  4. Long term goals take longer than a year. E.g. Improve leadership skills

16 Comments on Everything starts with a goal

16 Replies to “Everything starts with a goal”

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