Personal financial goals will differ in the length of time needed to achieve them. Perhaps you'd like to take a vacation next summer. Or, maybe you hope to go back to school in the next five years. Whatever your goals might be, you have a better chance of achieving them if you write them down. As you list your goals, divide them into three categories: short-term, medium-term, and long-term.
Short-term goals are priorities that can be accomplished within two years. Be sure every goal has a specific purpose, a dollar amount that it will cost, and a realistic target date. These may include buying a new computer, or paying off credit card debt.
Mid-term goals are priorities that can be accomplished within two to five years. Make sure your goals are realistic and flexible. If you set your goals too high, frustration will keep you from reaching them. These may include purchasing a car or going back to school.
Long-term goals are priorities that may take more than five years to accomplish. Most long-term goals require regular savings. These may include buying a home or retiring with enough money to live comfortably.
Try to set SMART goals. These are goals that are Specific, Measurable, Achievable, Relevant, and Trackable. Make sure you prioritize your goals. Which ones are the most important to you? Work toward achieving these goals first.
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