Is your Goal SMART?

I have been discussing with people enough about the savings/ investing. People also have realized why it is important.
After all, why are we working so hard? To fulfill our bigger dreams. Isn’t it?
All right, somehow reluctantly people said OK to save some money out of their salary but ever wondered,
is our current savings enough to fulfill our dreams? If not, why? (I know we dint get enough hike). It’s just lack of systematic goal setting
Is your goal SMART Enough (Specific, Measurable, Achievable, Relevant, Timely)?

I recently met an old friend who earns 15k per month and wants to own a 3BHK flat in Bangalore in 3 yrs.
I asked him how much have you saved until now, for which he answered 10k in 2 yrs.
The very first thought, which came into my mind, is how he is going to achieve it.
Instance 2)
I also met a lady who says she wants she wants 800,000 for her child’s next 10 yrs.
She has been earning 35k/month and saving 10k per month.
I appreciated her efforts. Moreover, I wished her good luck.
Do you see the difference? It is all about how clear are they about their goals, and how systematic the woman is.
I know people complain of having lack of time and patience for this. However, somewhere I read
over pessimism will kill your present & over optimism will kill your future.

Action Plans

End of 2013 is almost nearing and we need  to take actionable for 2014

But what are our action plans for that? Have we planned it?

Financially, academically, socially, emotionally are you happy the way are or do you feel there has to be a change, a decision to be  taken, an action to be taken to make your lives happier and successful?

Now 1 simple thing I do every year is I prepare a check list like this

I will Review my financial, career goals

I will take my term plan in 2014

I will continue having healthy discussion with team for improvements

I will continue saving in my PPF account

I will not buy any useless policies

I will enhance my skill set (soft skill and software skills)

I will manage to spend more time with family besides work

I will avoid Procrastinating the work

I will make the investment for all desired financial goal

I will update my Nominations

I will start prioritizing the work

I will apply for my CIBIL report and Score

I will buy 1 personal finance book/Novel/Self help book per year

I will invest my huge ideal cash as emergency fund

And not only planning it but I ensure I have acted on all these plans positively and benefitted by it.



I had a very nice Conversation with a friend who says People like Steve Jobs , Bill Gates etc are gifted. They have a gifted brain and that’s how they had an excellent life , a successful life.

Well , I believe “the harder you work the luckier you get”. The great Visionaries like Steve Jobs Focused on their dreams. They were passionate about what they do. And they mastered their skills.
They weren’t successful overnight. They Practiced. It took them months and years to be the best in what they do.
Because a life of mediocrity is a result of being negligent about your dreams, many a times.
A life of excellence is a result of tiny daily wins and learning and practicing your skills each day.
Mr. Shiv khera (author of You Can win) once said
You sow a thought you reap an action.
You sow an action you reap a habit
You sow a habit you reap a character
And when you sow a character you reap your destiny.

Victims always find a reason to say “it can’t be done”. Leaders always  find the possibilities to make things happen.

But victims ignore it, procrastinate things and leaders keep doing it and move towards the goal.

knowing what you really want ,loving what you do to reach those aspiration. learning new things in the field of your interest ,and focus is all what it takes to reach pinnacle.

Finally I conclude by saying thing which i heard -> “ If you want to achieve what 5% of people want to achieve . you should be willing to do what 5% of people were willing to do”