Setting goals in life can be a daunting task because, by nature, humans fear failure. Establishing a priority goal makes an individual vulnerable to the possibility that the objective may not be achieved. Some people would rather plod through life unhappily than risk failure. However, psychologists say that people can find the most personal success by setting and reaching goals. The rewards are great for those who have the courage to become stronger and pursue better lives.

One popular area for setting goals is finances. Most Americans wish for more money, since happiness is so often equated with wealth. If given the opportunity, most of us would choose to work less and retire early if we could maintain the same standard of living. Goal setting articles about finances talk about setting short term goals, medium (5-year) goals and long term goals. Your first priority should be paying off expensive credit card debt, the finance experts say. Paying 18-28% in interest on a card balance is money you could be putting toward a savings plan, a house down payment, a car payment or your retirement. The secret to countless millionaires is paying off the mortgage early and investing wisely; money which you can then use to formulate more specific personal aspirations. For instance, you may aim to pay your remaining $40,000 mortgage off by 2012 or you may aim to invest 10% of your income into mutual funds each year.

Setting goals in life may also pertain to a career. For instance, a person’s goals for the long term might be to become a project manager at her current job. Yet she can find more fulfillment in life by creating some short term targets first. Her life goal list might include things like talking with three people in this career to develop a list of activities and develop related skills within 1 month, take an online project management software course and ask the boss for a project to manage within 6 months, and finish a degree in project management within two years. The key to creating good career goals is to develop specific goals, create a timeline and make sure the goals are realistic.

Sometimes setting goals in life will stem from a hobby or pursuit. For instance, writers will make a goal to publish a book and long distance runners will make a goal to run a marathon. A person who likes to make crafts may want to open up a shop at www.etsy.com as a short term objective and then quantify long term goals like “sell 0 worth of merchandise” or “sell ,000 worth of merchandise,” or “to secure a wholesaler contract.” Life planning is best done by breaking down larger goals into smaller, more manageable parts. You should always choose goals you feel passionate about, so you will have the wherewithal to pursue your objective from start to finish.

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