To achieve a sense of fulfillment and purpose in life, you need to have a direction, goal, and a plan for your life. Knowing and understanding these goals will help you navigate through life, keep you motivated, and help you thrive as you pursue them.  

One important area where you need to set goals and put things in order is in the area of your finances. 

Your financial life must be in order if you plan to achieve your dreams and aspirations in other areas of your life. If you don’t have a hang of your finances, every other area of your life will suffer. But once you can set and accomplish your financial goals you can achieve success in other aspects and also live a happy and fulfilled life.  

Here are some tips to help you set fulfilling personal financial goals:

1.Write down all your financial goals 

Get a pen and take a few minutes to sit down and brainstorm on all the financial goals you want to achieve. 

Write them down as they come without stopping to think about it; you can edit them later. 

Allow your plans to flow from your head and heart to the piece of paper and write as many thoughts that come to mind; even those that might seem unreasonable or unachievable. 

When brainstorming, keep an open mind and consider every aspect of your life. Allow your thoughts run free and look into endless possibilities.  

Put down your long term and short term financial goals. Short term goals include payment of credit card debts, emergency fund, keep track of your spending, create a budget, and automate savings. 

Long term goals, on the other hand, include saving for retirement, becoming mortgage-free, achieving financial independence, saving up for your kids’ future, and the likes. 

2. Reorganize your list in order of priority 

After putting your list of financial goals together, look through all you have written down and consider them in order of importance

Rewrite your list starting from the financial goal that is most important to you, which one you are most passionate about, and which one you cannot wait to start working on. 

Get started on your short term goals first and achieve them before moving to the bigger things. 

3. Consider all possible challenges to achieving your goal

Pick the first 5 goals that are most important to you and write them out somewhere else. After that, consider all factors that could pose a challenge or prevent you from achieving these goals and write them down under the goals.

Listing all the possible obstacles will give you an idea of what you have to surmount to achieve your goal and the necessary steps you should take.

Think about the possible solution to every challenge you have written down. What training will you need? Will you need someone’s help? What steps do you need to start taking? Prescribe a possible solution to every challenge you listed.

Two things are helpful to you at this time. First of all, don’t get discouraged by the challenges you might face as it would tempt you to give up before you even got started. See the challenges as an opportunity to work hard for major success and determine to do that. 

4. Take Action 

After putting your plans together, set action points, and work towards them one step at a time. Don’t focus too much on landing the big success immediately; count your achievement step by step and watch it lead you towards your goal.

Don’t ever get too stressed about your finances up till the point you worry too much or begin to consider giving up. 

Draw a road map and follow it every step of the way.

Celebrate your small victories and achievements, inspire yourself when you feel discouraged and continue on the path to financial fulfillment

Feel free to reassess your goals from time to time and make changes and adjustments as you go, but make sure they are positive.

Continue with determination until you achieve personal financial fulfillment! 

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