Posts Tagged ‘goals’


alicia@heaps.co.nz

By Alicia

Add a comment

It ain't over till it's overWhat inspires you? What makes you want to change your life?

Is it the people around you? A historical figure? A story you saw in a book or film? There are so many inspiring stories about achieving goals, especially in films. You know the ones: the dancer who auditions for the role of a lifetime, the underdog sport team winning the final against all odds, the discriminated outsider who rises up to become a social hero *cue dramatic orchestral music*. These films are inspiring and teach us, you can do anything! If you just believe and follow your heart (oh, and work your ass off).

However, despite all this inspirational material, only 20% of the population set goals and of those people a whopping 70% fail to achieve the goals they have set for themselves. Why is that? There are a number of reasons why this happens, such as not committing to the goal, not wanting to change, not understanding the goal setting process or setting too many goals. Well no more! We are here to help you set goals you can achieve. Booyah!

Why set goals?

"You want something? Go get it. Period."Goals give you something to work toward, they give purpose and ultimately make life more interesting and challenging. People who set goals have higher self-esteem, confidence, and control in their lives. Goals come in all shapes and sizes, whether it is buying a house, winning a race, getting promoted, losing weight, or learning something new. No matter the size of the challenge, achieving goals is always rewarding. The feeling of success when achieving your goals is like no other. Not only does it better your current situation, but also boosts your moral, confidence, and self-esteem. What reasons do you have for setting goals of your own? What types of goals do you have, and which do you struggle most with?

When to set a goal?

Setting goals will help to achieve something that does not come easily. Learning a language, running a marathon, moving to Japan are huge investments, not only in money but in time, effort, commitment and planning. Setting milestones in order to achieve these goals will help to make the situation less stressful as it breaks up the massive goal into tiny little goals that seem easier to achieve step by step.

If you find yourself asking someone for advice on something, realize that you have the perfect opportunity to set a goal.  Goals are best for situations that require guidance. Consider setting goals with a partner as working together makes achieving goals much easier.  For example many people prefer to reach their fitness goals with a friend for motivational reasons.


Reach new heights!How to set a goal

When setting a goal you need to have a clear idea of what you want and why you want it. Your goal needs to have purpose, as this will make it a high priority in your life, and therefore more likely to be achieved. Try using the SMART model: Specific, Measurable, Attainable, Reasonable, and Timely goals. Take a look at the SMART model below and answer the following questions in terms of your goal:

Specific:

  • 1) What are you going to do? (What is it that you want to achieve? Visualize your goal, and your success!)
  • 2) Why is it important to you? (Define compelling reasons for achieving your goal. Why do you want to achieve it?)
  • 3) Define the benefits you expect to gain from achieving your goal. (How will you feel if you achieve your goal?)
  • 4) Consider the consequences of not achieving your goal. (What will happen if you don’t achieve it? How will you feel?)
  • 5) How are you going to do it? (What steps do you need to take in order to achieve your goal?)

Measurable:

If you can’t measure it, you can’t manage it. Choose a goal with measurable progress so you can see the change as it occurs. Set measurable tasks or milestones towards your goal, so that by achieving each step you will feel like you are moving forward. Also, be sure to plan for the obstacles you may come across. Obstacles are unavoidable, and when you plan for solutions to them you are more likely to overcome them.

Attainable:

  • Goals that are out of your reach won’t motivate you, your goal should stretch you slightly.
  • Don’t do it alone, ask for help! Share your goal with friends/family (they will keep you motivated).

Reasonable:

  • Set goals that you can attain with some effort. Set the bar high enough for satisfying achievement.

set a date to achieve your goalTimely:

  • Set deadlines to motivate you and make sure you are actively working towards your goal. Be sure that your deadlines are attainable and reasonable.

So go on goal setters, start completing your goals with confidence using these tips! If you have more tips for setting goals we would love to hear from you, so just comment below. Stay motivated and good luck!

“Your goal should be out of reach, but not out of Sight.” – Anita DeFrantz

Make setting goals easy in heaps!

By now you may have seen that heaps! has some sexy new goal templates. These are fantastic for setting financial goals as they are full of tasks and milestones to break up the process for you. Whether you are saving to buy a house or planning a trip to Bali, putting it as a goal in heaps! takes (most) of the work away for you. You can see your progress and heaps! will keep you on track so that you can achieve that goal faster. You can also customise templates by adding notes and tasks or by creating your own. Whatever the goal, set in heaps! and get there faster! Whoo!


christina@heaps.co.nz

By Christina

Add a comment

Was achieving your goal in heaps! but not being able to ‘complete’ it, a bit of an anti-climax?  Well, get your party hat on because now you can!  When you’ve reached your goal, heaps! will display a message on your home page to let you know it’s time to celebrate.

heaps! will also display your completed goals at the bottom of your goals page so you can feel a warm sense of pride every time you check it. Then if you find that you haven’t saved as much as you thought you had or that your goal actually costs more than originally planned, you can reactivate a completed goal by clicking on reactivate and decreasing the amount saved or increasing your goal target. You can also allocate or deduct money from an active goal anytime you like.

We’ve also done some background maintenance so that your heaps! runs more smoothly.  We know that you’re all quite eager to see some of the bigger, more exciting changes, and rest assured, they’re on their way.


Wahid Hussaini

By Wahid Hussaini

Add a comment

I am sure most of you have heard it before, but budgeting is very important if you want financial stability. And I don’t mean to be parenting any of you, but think of budgeting as a means of getting that special something you’ve always dreamed of having, whether it is a long vacation, a wide flat-screen HDTV, or your dream home.

However, before budgeting, you have to be sure of where your money tends to go. Otherwise you’ll be setting up a budget that doesn’t conform to your needs, and you’ll end up not being able to meet your goals (at least not as quickly as you might like to).

Nicola Sayer talks about brand experience in regards to how she budgets, brand meaning the different methods (software) that she may have used to track her expenses.

Understand Your Spending

So what is it you need to do to get on a roll with budgeting? First of all, you need to be aware of where your money goes and what makes you slip. For me it is using a lot of my money towards clothes. You need to understand your spending patterns and spending habits, and you also need to keep track of your monthly bills as well as the unnecessary spends. And when I say track expenses I mean everything, from that coffee and bagel in the morning, to your groceries, rent, car payments, anything that involves some sort of exchange of money.

Of course, you categorising makes it much easier and actually gives a purpose towards tracking expenses. You can always categorise your expenses using heaps!, which makes categorising your expenses easy. This way you’ll be able to see where your money is flowing, and where you might be willing to change your spending habits.

Easy Tracking

Yes tracking expenses might be a bit overwhelming, but there are ways in which this can be a little easier for you. For one thing, it might be a good idea to put as much as you can on one debit card. Therefore you’ll have a very convenient way of tracking what you’ve been buying. And since there is an eftpos virtually everywhere you go, this shouldn’t be much of a problem. Of course, make sure that you have enough funds in your bank account.

And since you can use heaps! as your software to keep track of your expenses, you won’t have to worry about further categorising and manual adding as heaps! does this for you. Tracking your expenses has never been easier.

Everything on the Card

The debit card will work well for everyday expenses – food, clothes, restaurants, gifts, and the like, but for all the goods that you decide to buy with cash, it is a good idea to keep the receipts with you. At the end of the week, split all those items that you have bought with cash into the above categories (you could always use heaps! to categorise all the items for you).

Set a Budget Based on your Tracking

After analysing how you’ve been spending your money, you can then create a budget that will not only save you money, but one that will suit you too. When setting up a budget it is important that you give yourself breathing room and a little fun as well. If you do not do any of those, then the budget will not work for you since it will be difficult to follow, and you might just give up on saving money.

Also, make sure you have some kind of saving goal. It is more fun to save money when you know you will reward yourself with something in the end, like that flight to Asia or a deposit on a house. Set aside a fixed amount of your income towards savings every month, and please be reasonable, meaning don’t allocate 20% of your income towards savings if it does not even allow you to spend on some coffee in the morning. Again, it is perfectly OK to treat yourself a bit every now and then.

Budgets are handy, but they have to be tailored to your needs. How did you set up your budget and was it based on expenses that you have tracked? Has tracking your expenses worked for you? If not, how do you propose to create a budget? Do you use heaps!, Excel, or other software if any?