Financial Goals

How to Brighten Your Personality to Realise Your Dreams?

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Pages from my forthcoming book, ‘PowerPacked Personality’ for Your FREE reading!

 Here are some more pages continued from where we left…..

 Last week we had talked about the first step to realize your dream is to write down your specific goals. When you become very clear about your goal which will help you to realize your dreams, you have to work out a plan of action for realizing each of your specific goals. Here are some further pages which I hope you will need to understand and make suitable efforts. We have to always remember that anything significant cannot be achieved without consistent hard work. Perseverance is the key to climbing up. Leader of success is steep and difficult, but the rewards merit all.

 Implementing your goals

  1. Why do you set your goals? Let’s consider this basic question. The simple answer is that you are not happy with your present status and you want to improve. Now let’s consider who is responsible for your present status? Your circumstances, influence of your parents, teachers, friends, relatives, neighbor and all those who have been interacting with you. They have influenced you mind which in turn has influenced your actions and behavior. Over the years you have formed some habits. Triggered by your habits, you continue to do the same things over and over again. Your relationships with others remain the same. Nothing changes. Therefore you don’t own what you want; you don’t garner respect from others. Life is drudgery. Nothing to look forward to. You accept that this reality and you have to live with it. And then, you write down your goals. These could be about health, career, finance, family, hobby and even spirituality.
  2. Once we understand that you background and habits have brought you to a situation which you are not happy with, you need to do whatever it takes to change these influences and most importantly change your habits. You may not be able to change company of everyone around you, but you can choose to divide your time according to your choice.

Implement Goals Quotes:

  1. People will always have an opinion, but you have to live life the way you want to. It’s very easy to tell others what to do, but difficult to implement it on yourself.
  2. Set some goals. Stay quiet about them. Smash the hell out of them. Clap for your damn self.
  3. Success is steady progress toward one’s personal goals. (Jim Rohn)
  4. You’ll never change your life until you change something you do daily. The secret of your success is found in your daily routine.
  5. When a planner speaks of implementing goals rationally, he implies that it is possible to demonstrate logically and experimentally the relationship between the proposed means and the ends they are intended to further. (Alan A. Altshuler)
  6. In real life, strategy is actually very straightforward. You pick a general direction and implement like hell. (Jack Welch Winning)

Self-Belief

To be connected with earlier chapter.

In life it is necessary to have some beliefs. That does not mean that you need to follow any dogma or belief forced on you. You can pick your own beliefs with discretion. First, let us understand what is self-belief. What are the qualities that it inherits? Self belief is an invaluable virtue which brings great possibilities in your life. Its indications are that you:

  • Stop making any excuses for any reason what-so-ever.
  • Do not indulge in any negative thought.
  • Stop thinking that difficulties surround you alone. You do not jump to conclusion and take hasty actions. You express your fears to others without any hesitation, because you keep in mind that everyone has some fears.
  • You stop procrastinating because that is indicative of your lack of confidence.
  • Stop pursing perfection. Perfection is never achieved. It only stops you from moving ahead.

Once you develop self belief and you observe that you confirm to all what has been said above, you will find the following eight advantages coming to you smoothly and seamlessly.

  1. Self-belief enables you to hold strong conviction. All things do not happen the way you have planned or the way you expect. But strong conviction will help you to move ahead without fear of failure.
  2. Self belief also helps you develop optimistic attitude which is necessary today in the wake of fast changing world. Life is becoming extremely competitive. Any opportunity missed once may never come back again. But if you have a negative attitude you will not be able to catch the fleeting possibilities.
  3. Your self-belief also makes you more reliable to others.Thus you tend to build up better relations with others. Your credibility is not question. Since people can trust you they vie for good relations with you. Needless to say that for any significant project you need help from others.
  4. Self-belief also helps you to be focused and self motivated. You no longer take life as it comes. You don’t depend on unknown sources to bring you luck. You carve your own destiny. Self motivation helps you to maintain enthusiasm and interest in life.
  5. Your risk taking ability improves if you start relying on yourself. It is said that there are no gains if there are no risks. Your conviction helps you to take calculated risks in meeting the challenges of life. The tendency to avoid and escape facing challenging situation reduces substantially. You start realizing that difficulties form a necessary part of life.
  6. Further, self-belief enables you to give and receive constructive criticism with an open mind. In the current scenario exchange of ideas and views are extremely important. The autocratic leader is not acceptable any more. So if you want to progress you have to collaborate with others from your own organization or outside outfits.
  7. Self-belief helps you to be more assertive. You start caring for yourself more than pleasing others. Someone said that he doesn’t know any formula of how to succeed. The sure short formula for success has never been discovered. But there is a firm unbeatable formula for failure and that is trying to please everyone. Your self-belief will not allow you to embark on the journey of securing approvals where these are not mandatory.
  8. Last but not the least, you start working on improving your self respect. You realize that if you do not respect yourself, others will follow suit. When you’re in need to raise self esteem, you become more effective and you become more productive. Now, you start managing your time very effectively as any improper or inadequate use of your time will hurt your self-esteem.

 

Personal Productivity

Personal Productivity and its review constitute are essential ingriedients in the implementation and achievement of personal goals. But what is personal productivity? Does it mean how we manage our time? The answer is yes and no. Yes, time is an important aspect of personal productivity. Rather, it could be so provided your activities are aligned with your goals. And yet it is a lot more. Does it mean one’s achievement towards realization of personal goals? Not just that! Personal goals may change. Personal vision may change. And if one may say so personal mission statement if one ever cares to establish that – that also may change.

When we talk of mission statement or vision or an organization, that hardly ever changes. But when we are talking of an individual, the factors that affect a person’s likes and dislikes, desires, drastically change with changing circumstances, or even without these.

The most important factor for a person’s success is his/her personal productivity. As we growwe realize that it is not just money, not just health, not just family, or your social status, hobbies etc., that bring you happiness, but it is a combination of all these in varying proportions.  So what we need to do is to align all our activities to achieve whatever we want in the aforesaid different fields.

Therefore a daily review of what you do becomes very important. In the highly competitive world we have today, the targets that the organizations set for you are hard ones. These sap your energy and rob you of the power and ability to think what you must do. You only start following sometimes even unachievable targets. In the process, you totally destroy you concept of personal productivity.

Hence, what is really needed is to have the right balance and proper perspective towards life. It is only such a healthy attitude that strikes a right balance between family and friends, home and work, health and money that will lead to a truly happy and successful life.

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How to Brighten Your Personality to Realise Your Dreams?

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Pages from my forthcoming book, ‘PowerPacked Personality’ for Your FREE reading!

 In your life, you alone are responsible for your success and status in society. So if you want to realize your dream, the first thing you have to is to describe it vividly. It should be so clear that you can see it closing your eyes. This is like defining where you want to go. Obviously, if you don’t know your destination, how will you reach there. That brings us to the most critical question in life which is that of Goals.

What are Goals?

Anything that we do in life, we spend our precious time and money must bring about desired results. But often it does not happen. Why? Do we always try to figure out the reasons? If not, then why not? Because our goals are not clear. Because our desire to achieve the results is not so strong.

So what should we do? Sit back and think that everything will be alright? Or, that our luck is bad? No!

We must clearly define what we want to achieve. Write these clearly on our diary/journal. Make it known to the friends, family members, peers wherever it is necessary. Particularly to our well wishers. When we make our goals known to others, we become more committed.

Then, we should create a strong desire within us to achieve our goals. We need to contemplate on these as often as possible. Further, we need to plan how to achieve our goals. Work out the plan and write it down. Spend some time, contribute something, however small, daily towards achievement of what you want to do in life. It is worth it. And, you will be surprised to find how effective this process is for achieving what you want.

Goals should be short-term, medium-term, and long-term. In other words, what you want to achieve in the current year, next five years, ten years, twenty years, etc. Never think about obscurity of the future and changing times. Instead think that I have the ‘right’ and possibility of modifying my goals as per the needs of the changing times.

Furthermore, you need to work about a practical plan to achieve each of your goals. This should be backed up with action, your genuine effort to follow the plan. Life will be a lot more meaningful when the goals are well-defined and the plan to achieve these is followed.

Types of Personal Goals:

Setting your goals defines significance of your life. Your self-esteem will go up surely if you passionately try to follow your goals. There are 7 different types of goals which need to be defined. It is not about money or career only.  Below are the 7 different types of goals which may be clearly defined and written. These are:

  1. Health Goals: Health is of prime importance, indeed. Yet many times it has been found that even common principles of maintaining good health are ignored. As per our scriptures a human is made to live about 100 years. When we look after our health properly we may live close to that age or even overstep it. But if we are not careful, life may shorten to any extent. If you love your life and want to live longer, set your health goals. Also prepare and follow the plan to lead a healthy life.
  2. Career Goals: Career goals are undoubtedly extremely important. Any educated individual would like to progress in the career he/she is pursuing. But often it is only a wish. The best thing to do is to write down specifically what you want to achieve. This may mean – define the position and also define the timeline.
  3. Financial Goals: Though finance and career are closely connected, yet it is necessary to specify separately your financial goals. Again, these should be time bound according to your needs, your family requirements and your social obligations. If necessary, consult a financial adviser and then carve out your own plan.
  4. Family Goals: We all want to lead a happy family life- within our own nuclear family, extended family and relatives. Even today there are examples of joint families living together happily. Maintaining good relations require you to be proficient in interpersonal skills. It’s necessary to use discretion in speech even with your spouse, children, parents etc. Not only the words but the way how you speak is important. When you have set your goals you have greater chances to keep on improving in this direction.
  5. Social Goals: Everyone would like to be a respected member of the society. Whether it is neighborhood or a club, or an association, you would like to build up your reputation. This can be achieved with necessary efforts provided you have stated your specific goals.
  6. Hobby Goals: It is recommended that everyone must pursue at least one hobby. It’s investing in an activity for your own self. Music, theater, dance, painting is example of common hobbies. But it could also be collecting stamps, artifacts, antiques etc. Just as per your fancy, follow a hobby.
  7. Spiritual Goals: Last but not the least; we should define the spiritual goals. We all know that we don’t have to live on this earth forever. During stay here often we may think about how we like to be remembered. Think about how we should face the eternal force of which know very little. That is why people follow their own religion, which should be a united force. Religion helps to maintain our peace of mind. So we must note down our specific spiritual goals.

All the above goals are meaningless unless we write these down, make a plan to pursue each goal and execute that plan. The goals may be reviewed and modified as per the requirements of changing times.

Setting Your Goals:

Just imagine a football playground without goals. How can anyone play the match in the absence of goals on both sides? Unless there is a target what can you shoot at? Unless the teacher explains what kind of questions he is likely to face in the examination, how can the student prepare? Likewise, it’s not possible to achieve anything worthwhile without specifying your personal goals.  If you gave the archer a target and challenged him to hit the bull’s eye, the challenge motivates the shooter and makes him/her to do their best. You have to give anyone something to aim at, something to challenge his skills. Further, there must be defined parameters to measure the progress. That motivates a person, creates an interest which can sustain action and hard work.

That’s what a goal does to a person’s life, it motivates the person to achieve something worthwhile, something he or she desires. That brings about a big change in the attitude.  Every one is endowed with a precious gift of life, it’s our duty to make best use of it. You were given a life and you’ve been told ever since to, “live it.

Everybody in this world has a different set of circumstances, different set of skills, and a different set of opportunities through which they can interact with the world and find their unique sense of fulfillment.  You’re mission in life should be to figure out what your unique, “sets” are and how you can take action to best capitalize on them that gives all of your effort purpose and meaning.  Goals are the guiding light that get you there.

Take your time reading through the quotes below and the notes/remarks that follow. Think about these and reflect to work out what are your objectives. The exercise will help you specify what your goals should be as per your needs and desire. Since goals must be written as clearly as possible, it will also help you to make these articulate in your mind so that you can put it on paper clearly. Unless the goals are written in detail, these remain your wishes which have little meaning. Timeline is also critical in purposeful goal setting.

  1. “A goal properly set is halfway reached.” ~ Zig Ziglar
  2. “You cannot change your destination overnight, but you can change your direction overnight.” ~ Jim Rohn
  3. “It’s better to be at the bottom of the ladder you want to climb than at the top of the one you don’t.” ~ Stephen Kellogg
  4. “If you don’t design your own life plan, chances are you’ll fall into someone else plan. And guess what they have planned for you? Not much.” ~ Jim Rohn
  5. “All who have accomplished great things have had a great aim, have fixed their gaze on a goal which was high, one which sometimes seemed impossible.” ~ Orison Swett Marden
  6. “The greater danger for most of us isn’t that our aim is too high and miss it, but that it is too low and we reach it.” ~ Michelangelo
  7. “Give me a stock clerk with a goal and I’ll give you a man who will make history. Give me a man with no goals and I’ll give you a stock clerk.” ~ J.C. Penney
  8. “Intention without action is an insult to those who expect the best from you.” ~ Andy Andrews
  9. “I am here for a purpose and that purpose is to grow into a mountain, not to shrink to a grain of sand. Henceforth will I apply all my efforts to become the highest mountain of all and I will strain my potential until it cries for mercy.” ~ Og Mandino
  10. “Our goals can only be reached through a vehicle of a plan, in which we must fervently believe, and upon which we must vigorously act. There is no other route to success.” ~ Pablo Picasso
  11. “If you raise your standards but don’t really believe you can meet them, you’ve already sabotaged yourself. You won’t even try; you’ll be lacking the sense of certainty that allows you to tap the deepest capacity that’s within you… Our beliefs are like unquestioned commands, telling us how things are, what’s possible and impossible and what we can and can not do. They shape every action, every thought and every feeling that we experience. As a result, changing our belief systems is central to making any real and lasting change in our lives.” ~ Anthony Robbins
  12.  “My philosophy of life is that if we make up our mind what we are going to make of our lives, then work hard toward that goal, we never lose – somehow we always win out.” ~ Ronald Reagan

 Now it should be easy to specifically write down your goals. Take following steps:

Step One: Write down in clear terms what do you want to do.

 Step Two: Think many times to be sure of what you are thinking at the moment is really what you want.

 Step Three: Write down in specific terms what you have decided after thinking it over.

 Step Four: Check if your Goal are SMART where S stands for specific, M stands for measureable, A stands for achievable, R stands for ready, and T stands for time bound.

 In the following chapter you will understand how to make a plan to achieve your goals and the steps you need to take to implement the plan. At times, you may face some hurdles. What action you must take then is also explained.

 To be continued…

Courage to Continue Denotes Success

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The word success as defined in the dictionary means “ the accomplishment of an aim or purpose” . True as it is but definition of the word success changes from person to person. Every individual’s definition of success is different. And why Not? We all have different aims, objectives, goals and purpose of life. And accomplishment of those would mean SUCCESS

to each one of us. Though there is no common definition of success many successful people have presented their views on success. Let us now understand what success meant to them and how best we can add to our success from their experiences.

A writer, statesman and a leader as he was Winston Churchill who has contributed immensely to the Britain’s victory in World War II has quoted that

“Success is not final, Failure is not fatal; It is the courage to continue that counts”. Isn’t it true? Many people think that if you fail at something , it is the end of your life. The suicidal stories you hear after the academic results are declared clearly indicate people’s

attitude towards failure. The quote mentioned above re instills the value of courage to continue the effort in spite of several failures. In short, perseverance is one of the keys to success.

When one wants to achieve something one should turn deaf ears to what people say about your endeavors . Because as the quote goes,” At first they will ask why you are doing it ;But later they will ask How did you do it?

Yes, this is especially important for the people who are torch bearers. Torch bearers are people who attempt to tread the less taken path and are the first ones to do so. When you are pursuing something different and novel, skeptic people always try to ask the validity of such pursuit. Well, if you are convinced about your effort and are ready to give in your hundred percent you will be successful at it. And then the same people would ask you the ways in which you tried to achieve such an untapped feat.

Life is a mix of good and bad times. We are successful sometimes and sometimes we do fail. The most important thing in life is to “Be thankful for hard times as they have made you.” Hard times are testing times. Failures should be visualized as a lesson. I t is rightly said,” When the going gets tough, the tough gets going”! Every struggle to get successful will make you wiser and stronger.

While achieving success it is important that you put your heart , mind and soul into excelling at what you have undertaken. If needed you have to sacrifice a lot in order to achieve something great. Swami Sivananda has rightly pinpointed the secret of success. He

quotes ,” Put your heart , soul and mind into even your smallest acts”. It is also very evident that there is no shortcut to success. It is well known that there is “No elevator to success. You have to take the stairs.” Hard work in proper direction definitely yields success. ease everybody.

Success is a result of focus, hard work, learning from failure , loyalty and persistence .Indeed when you strives to excel at certain thing you are bound to be successful. When you balance your hard work with persistence and loyalty the end result will be none other than SUCCESS.

Nelson Mandela quotes” Don’t judge me by success but how many times I fell down and got back again”. If you have persevering attitude in life, nothing can stop you from being successful. Perseverance is a factor which differentiates between success and failure.

Success is , thus, relative to each individual. Unfortunately, many people don’t have goals at any time in life. Life is very short and the most important thing in life to be successful is to set some goals. What is a life without goals? People misconstrue goals to be only related to career and finances.

Well, negating that opinion you can categorize goals as:

  1. Career goals,
  2. Financial goals,
  3. Health goals,
  4. Family goals and
  5. Goals for society
  6. Hobby Goals
  7. And Spiritual Goals

You have to take charge and set goals for yourself. The priority of goals would differ from person to person. You may feel family and health goals are more important than the rest of the goals. An ambitious person may prioritize on career and financial goals. Hobby goals are the goals which are meant for yourself satisfaction. Society plays an important role in everyone’s life. You should also set some goals which will benefit the society. It is a way to give back to the society where you belong.

Maslow’s pyramid of self motivation has the self actualization need at the top of it! Spiritual goals help achieve that need of a person.

While setting up goals make sure that your goals are SMART.

SMART Goals mean

S- Specific

M-Measurable

A-Achievable

R-Realistic

T-Time bound

 Well, to achieve success be specific about what you want to achieve. The goals should have some yardstick against which you can measure your success. You should always have realistic goals and not unbelievable ones.

An example of setting a goal could be “ I want to reduce my weight by 1.5 kgs in a matter of 15 days. Once you do that you can start working over it by chalking out a plan and then executing the same.

Always check on what you have achieved against what you wanted to achieve And keep on bridging the gap, if any. When diligently persevered, success becomes a habit!!

Thanks for reading.

7 Types of Life Goals

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index

Setting your goals defines significance of your life. Your self-esteem will go up surely if you passionately try to follow your goals. There are 7 different types of goals which need to be defined. It is not about money or career only. I am listening below the 7 different types of goals which may be clearly defined and written. These are:

1. Health Goals: Health is of prime importance, indeed. Yet many times it has been found that even common principles of maintaining good health are ignored. As per our scriptures a human is made to live about 100 year. When we look after our health properly we may live close to that age or even overstep it. But if one is not careful, life may shorten to any extent. If you love your life and want to live longer, set your health goals. Also prepare and follow the plan to lead a healthy life.

2. Career Goals: Career goals are undoubtedly extremely important. Any educated individual would like to progress in the career he/she is pursuing. But often it is only a wish. The best thing to do is to write down specifically what you want to achieve. This may mean – define the position and also define the timeline.

3. Financial Goals: Though finance and career are closely connected, yet it is necessary to specify separately your financial goals. Again, these should be time bound according to your needs, your family requirements and your social obligations. If necessary, consult a financial adviser and then carve out your own plan.

4. Family Goals: We all want to lead a happy family life- within our own nuclear family, extended family and relatives. Even today there are examples of joint families living together happily. Maintaining good relations require you to be proficient in interpersonal skills. It’s necessary to use discretion in speech even with your spouse, children, parents etc. Not only the words but the way how you speak is important. When you have set your goals you have greater chances to keep on improving in this direction.

5. Social Goals: Everyone would like to be a respected member of the society. Whether it is neighborhood or a club, or an association, you would like to build up your reputation. This can be achieved with necessary efforts provided you have stated your specific goals.

6. Hobby Goals: It is recommended that everyone must pursue at least one hobby. It’s investing in an activity for your own self. Music, theater, dance, painting is example of common hobbies. But it could also be collecting stamps, artifacts, antiques etc. Just as per your fancy, follow a hobby.

7. Spiritual Goals: last but not the least; one should define the spiritual goals. We all know that we don’t have to live on this earth forever. During stay here often we may think about how we like to be remembered. Think about how we should face the eternal force of which know very little. That is why people follow their own religion, which should be a united force. Religion helps to maintain our peace of mind. So we must note down our specific spiritual goals.

All the above goals are meaningless unless we write these down, make a plan to pursue each goal and execute that plan. The goals may be reviewed and modified as per the requirements of changing times.

Thanks for reading.

How to Achieve Success

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2

An important action that everyone must take is to describe their Goals. What you may want to do in life. It is a kind of destination for your journey of life. And if you don’t specify goals, it is like not having any specific destination in mind. This in any case will not lead you anywhere. Besides, you may start wondering at the futility of life itself. You will never develop focus. Productivity of a person without focus is very low. And so is the self-esteem.

1

Goals must be SMART. What does it mean? S stands for specific. So goals must be specific and clear. Instead of saying you want to be rich, you might say that you must acquire wealth equal to Rs. 10 million. Since the goals are to be achieved in a certain period of time, it is necessary that these should be measurable. It means that one must fix certain milestones which need to be covered during a slice of the entire period. For example, in one month what must be achieved etc.

Further the goals must be achievable. If the goals are such that despite applying any kind of effort a person will not reach the goal, it is not achievable. It is a flawed goal.

3

Next letter on the acronym is R. This stands for realistic. What is the difference between the realistic goals and achievable goals needs to be clearly understood. And without exception the goals must be realistic.

Lastly we come to the letter T stands for time bound. If the goals’ do not define timeline, these have an inherent flaw. In fact, the time line should be carefully crafted. Just as we study with stop watch, how much time the goal is likely to take. At the time of planning it must be kept in view that in order to improve our productivity and to remain enthusiastic about our efforts, we do not need to stretch ourselves. If we don’t do that, productivity will come down.

6

Now that we have defined how goals need to be articulated, and how goals need to be articulated, and how these should be pursued.

Goals need to be written in the following aspects of life:

a.     Health Goals

b.     Career Goals

c.      Financial Goals

d.     Family Goals

e.     Social Goals

f.       Hobby Goals

g.      Spiritual Goals

11

These are often interdependent. In any case these must be written down. And each of them must be SMART.

12

Just writing down is not enough. Daily in the morning go through them. It will renew your commitment to pursue these goals. Then, you must note down in your ‘to do list’ for the day, what specific actions need to be taken to forward the cause of each of the above goals. Then you must note down in your ‘to do list’ for the day what specific actions need to be taken to forward the cause of each of these goals. You may not be taking action in all these areas each and every day. Yet these must be contemplated.

Thanks for reading.