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Focus on Your Target Goals

For many people they mistakenly think they don’t need actual ‘goals’ in their life. They figure they will just go with the flow and see where it takes them. This is a mistake because often you will just go along and never really get anywhere except your least denomination.

get a target and hit it

Somehow some people ‘grow up’ with no real idea of what they want to do or be. They never really find out and end up with the best ‘dead-end’ job they can find. Not to say really ‘dead end’, but just not necessarily as well as you could have done had you had goals to target.

You look at this type of job as an income, sometimes barely sufficient but good enough since there are no expectations. Sometimes this happens to people who do not have a lot of self-esteem and have more or less just been satisfied with whatever life puts in front of them. In a way that is not totally negative that they can just be happy to be!

At some point however you can change. You can start wondering what it would be like to have more money or more freedom. You can even do something about it if you really want to. It could start with a free online course to teach you something you could do to earn extra money.

Or you could just discover some affiliate program(s) that are very inexpensive to join and will teach you some basic things to start an online business. So now you may have what is considered a ‘goal’. In fact the goal even has a target to focus on.

Maybe you could set a target goal to make $25 a week in referral commissions as your initial goal, with or without a timeline, and then as you meet your benchmark your target goal could be increased to $50 a week and you are on your way!

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Time Does Seem to Fly – Use It Wisely

You may think you are young and you may be – you may have plenty of time before you even think you need to be concerned about awful words like retirement or pension. However you would be very surprised because many things can happen in your life that may derail your perfect plans. You should start as early as possible to be concerned about these issues due to that fact. Never have a cavalier attitude about anything as you may regret it.

don't waste time or money

For a sickening example, let’s consider the last recession. We are talking about people who started working in their 20’s and started accruing pension and various retirement investments. They may have also acquired real estate as part of this portfolio. They had a good plan and they were faithful to themselves in contributing to a good result. Set for life, right?

It doesn’t hurt to note here that these people are in the minority. Most people are not nearly as prepared for one reason or another so it may be even worse for them. It just may add a little drama to the already very sad tale. So by the 2008 recession these folks are getting to be around their 60s or close to it and nearing what would have been projected as ‘retirement’ age in a less cruel world.

We won’t accuse anyone or delve into the various causes of the recession – let it just suffice to say it wasn’t caused by the people in our story. They are the victims. Somehow suddenly about half their retirement savings are gone,if not entirely. So now rather than planning on their retirement and looking forward to some sort of ‘reward’ for working all their lives, they are looking for part-time work for seniors.

At this point in their lives it is rather late to start over and/or to ever dream of any sort of meaningful recovery. It’s criminal and it is just so very tragic. The worst part is there is no retribution except in the most extreme cases of outright fraud. The point here is that you should start young to save money. Don’t put it all in your employment benefits accounts, although it would be good to also contribute to those since they usually match by double. Keep an account separate from everything else.

If you have any spare time try to earn extra money; (and you know all that web surfing and social networking is fun and all but really does nothing for our bottom line) – unless we can somehow work it into helping us to promote an online business. Since it is spare time and spare change at this point we should just forget about any income from it. Just let it accrue and keep generating by being engaged as much as possible to make it work on the side. You will be surprised ‘at the end of the day’ where you have this nice little chunk of money to help you get by.

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