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Setting Goals and Planning

Setting Goals and Planning. Making them SMART. Make Your Goals S pecific. Specific Fuzzy I want to have more money Precise I will save $20 per week by reducing spending on entertainment and clothing. Make your Goals M easurable. State what you want and when you want it.

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Setting Goals and Planning

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  1. Setting Goals and Planning Making them SMART

  2. Make Your Goals Specific • Specific • Fuzzy • I want to have more money • Precise • I will save $20 per week by reducing spending on entertainment and clothing

  3. Make your Goals Measurable • State what you want and when you want it. • If you want to save $100, and your goal was to save $20/week, a reasonable completion date is 5 weeks.

  4. Make your Goals Action-Oriented • Precisely how are you to achieve your goal?

  5. Make your Goals Realistic • I can afford to save this money

  6. Make your Goal Timely • Allow a reasonable time and set a deadline. • Too much time allows you to lose focus • It all adds up to SMART

  7. Set Long Term andShort Term Goals • Long Term first • Five years from now • Personal development, lifestyle, school, career • Then Short Term • This semester • Personal life –get involved in a community activity • Academic – don’t miss any classes

  8. Develop a Plan of Action • Daily planner • Academic Goals • Calendar – monthly and weekly goals • Code different course in different colors • Pencil makes it easier to change • Write down major exams, papers, and projects • Figure out how much time you will need for each task • Make a copy of your calendar – one to carry to class, one to post in your room

  9. The Weekly Plan • What do I expect to accomplish? • What must I do to reach my goals? • What are the priorities of the tasks? • How much time will each task take? • When will I do each activity? • How flexible can I be to allow for unexpected things?

  10. AM 8:00 9:00 10:00 11:00 12:00 PM 1:00 2:00 3:00 4:00 Plan Monday Actual

  11. Financial Goals • Do you… • Balance your checkbook? • Use a financial program (Money, etc.) • Know how much school costs? • Have credit cards?

  12. Account Basics • Overdraft Protection • Linked Savings • Minimum Balance • Other features to ask about • ATM, fees, students accounts, online banking

  13. Budgeting • Be Real • It all Counts • Keep on Top of Things • Add it Up

  14. Plastic Intelligence Quotient • Once you turn 25, credit card companies start rating you on how you use credit. • FALSE • Credit card companies charge the same amount of interest for whatever you charge • FALSE • As long as you pay your full monthly balance, you won’t get charged any interest. • FALSE • If you lose your credit card, call the police right away. • FALSE

  15. So Your in Over Your Head • Call your creditors! • Most will work out a payment plan • Focus • Eliminate “want to have” in favor of “have to have” • Park the Plastic • Consolidate • What went wrong

  16. Be Consistent and Persistent • Keep after your goals • Look at obstacles as challenges

  17. Monitor Your Progress • Use the weekly goals section to note your progress.

  18. How to Beat Procrastination • Don’t wait to do the important tasks. • Start Now! • Reward yourself when you complete a task • Work with and encourage others. • Let them encourage you • Be in control. Just let the phone ring!

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