(Who needs a face to get to the finish line?)
Do you know where you are going in life?
Sorry – that came out a little more deep and meaningful than I intended.
What I mean is, when you think about your financial situation, do you have a clear idea of what you want to achieve? A financial goal?
If not, then I highly recommend sitting down and really facing up to that question. If you are in a hole of debt so deep you can’t see the sky, then I understand that it’s not easy to have that conversation with yourself. But actually, in your case the answer should be really simple: get rid of that awful black cloud in your life. Get debt free. Full stop.
If you don’t have debt then the answer might be trickier to land on. Do you want to get a deposit for a house together? Maybe you want to pay off your mortgage? Get an emergency fund sorted? Build a savings pot? Save for a special holiday? Save for ANY holiday?
It could be any number of things but I think it’s really important to settle on what it is that you want to achieve – because how else are you going to identify the steps you need to take towards it?
I once heard a saying, “if you aim at nothing, you’ll hit it.” And it’s so true. If you want to achieve something, you have to aim for it first and then go headlong towards it.
For me, there have been various goals at stages in my life – including almost all of those listed above at one point or another. Today, at the moment, it’s clear the tens of thousands of pounds of debt that I’m currently in. I do have longer term goals I’d like to achieve after that, but until the debt is gone these are complete pipe dreams.
So I’ll put my head down and push towards that goal. And every decision I take should be with that goal in mind. Easy to say, not easy to do. But I’ll never achieve it if I don’t try. And neither will you.
So what are your financial goals you would like to achieve?