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Goal Setting from the Inside Out

Goal Setting from the Inside Out

It’s so curious how we spend the last weeks of the year in a sugar-plum-induced family frenzy of parties and holiday sweaters, and expect to walk into our lives on January 1 ready to drill down and get things done.

To get our minds focused back on what the year holds in store for us we make these shoulds-posing-as-resolutions and order all kinds of shiny productivity tools and smile at the future coming toward us. Then February rolls around and we glance sideways at our list and hope nobody’s looking over our shoulders.

Straight out, resolutions are dangerous little dragons because we humans need meaning. We need a resonant, compelling context for any goal, wish, or dream to have a shot at making it into our everyday schedule.

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Wait, Come a Little Closer…
So let’s say we’ve teased out a few New Year’s Resolutions by now, and ordered some shiny new gadgets and calendars for 2009. What’s to keep the litany of familiar patterns from grabbing us by the heels as we reach toward our resolutions?

Too many high maintenance friends…loathing the 8-to-5…missing appointments…too much laundry…no time for family…forgetting to back up the laptop.

Those perfectly reasonable sources of frustration provide cover for something deeper. If we look inside the window to our soul and listen, this string of buried refrains actually kills countless plans and goals for getting things done and becoming the high priest[ess] of accomplishment and joy—because we keep avoiding what we really, really want most.

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We Already Know This Stuff
Let’s say you’ve always wanted to go back to school, get a law degree and work in the social justice field. Every year you resolve to put it on your list, apply to schools and set a start date. And then life happens—a broken arm, a big new client, something—and you set your lifelong dream aside yet again. It’s too much. Too costly. Ridiculous, actually.

We already know who we are and what we’re passionate about. We can do all the soul searching and personality tests into infinity, yet they somehow keep pointing to the same things. The longer we dismiss what we already know, no matter what productivity gadget we employ, or how many nannies and assistants we hire, the louder the buried refrain will get. Even though we think it’s the report, or the big meeting that’s keeping us up twisting in our sheets at night, it’s everything we’ve been meaning to do and desiring most that does it. Not your crazy schedule and the soccer-momming and the endless board meetings.

We humans can tolerate just about any circumstance when we’re truly committed to our highest purpose. When we actually give our dreams a committed shot at landing on our everyday schedule, we can tolerate busyness and life at high speed.

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Goal Setting from the Inside Out in 2009
Truth? No matter how much we want to get things done, what we really want is a life that matters. We want the chain of endless doings to add up to something meaningful at the end of the day. So, take a look back at your calendar in any given week for 2008 and ask yourself two questions:

  1. “What’s most important to me?”
  2. “What values did I honor?”

The information you gather by answering those questions will help you percolate what’s next. Declarations.

Create Context and Meaning with Declarations
To give your resolutions or goals heart and soul, take a look at what you most deeply value in each of the four life areas: Life’s Work, Relationships, Personal Wellbeing and Financial Development. Next to each area, you’ll have words like joy, integrity, leadership, and service, and you’ll use these words to craft your declarations.

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Declarations are timeless statements of purpose in the present tense designed to create ongoing quality of life shifts. Much like a mission statement, declarations stem from who you are and what you value, and point to your vision. They may sound bold and completely outrageous, perhaps even a little wild—but not impossible.

You’ll know you’re on track if your declarations make you want to cry or scream or jump up and down. (Go ahead, we’ll wait.) Declarations also act as your truing mechanism when you forget who you are and what you’re up to. Or when your busyness has no connection to what you value. Or when you’ve been saying yes way too much.

Practically speaking, declarations inform your goals, not the other way around. So, once you’ve finished your declarations, listing your top goal in each area (that’s right, just one) should come easily and organically.

Go ahead, we’ll wait.

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Last Updated on June 22, 2018

How to Nix Your Credit Card Debt in Less Than 3 Years

How to Nix Your Credit Card Debt in Less Than 3 Years

Debt is never a fun thing to be in. But, there are many actions that you can take that will help you rid yourself of the burden of debt once and for all.

By coming up with a set plan, eliminating your debt can feel much easier than constantly thinking about it.

This post will provide some tips on how you can do this to help you nix your credit card debt in less than 3 years.

Hint: there are ways that are easier than you think.

1. Consider consolidating multiple credit cards if possible

This may not be applicable to you, but if you have multiple cards – it is something to consider. Keeping up with multiple bills is time consuming.

It will depend on the balance you have on each. Consolidate ones you can but do not do it to the point that you get too close to the maximum limit. Also, it is ideal to pick the card with the lower interest rate.

Consider if there are any fees or alternatively, rewards, with transferring a balance to another card. Watch out for fees. Note that some cards offer rewards for transferring a balance to them. This is extra cash that can help go towards paying off your debt.

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Having one or two cards can make nixing your debt much simpler than keeping up with the balance of a bunch of cards. Keeping track of paying the minimum towards a bunch of cards is time consuming. Spend the time to consolidate instead to make the overall process simpler going forward.

My tip: Have one main credit card. Have a second one that you use for necessities – such as groceries or gas – that offers rewards for those purchases (a lot of cards do) and set the second one on auto-pay. You should be able to pay off a smaller amount on auto-pay if it is a necessity. If you think you cannot, then you may need to cut down a lot on expenses.

Why do I suggest doing this? Having one thing set to auto-pay is one less thing to think about. One less thing to waste time on. Same idea with consolidating to one main card. Tracking down too many is a hassle.

2. Try to pay the full balance you spent each month at the very least

You need to pay off the amount you are spending each month when that bill comes in. This is the amount you spent THAT month.

Do not let the debt keep accruing while you work on paying any unpaid debt that has accrued. It will become a never-ending battle. Try as best as you can to be current on paying for each month’s expenses when that month’s bill comes out.

If this is a strain, consider why. You may need to cut expenses. Or you may need to consider other cards. Or look at where this money is going.

3. Pay extra when you can – every small amount counts

This cannot be emphasized enough. If you are looking at a lot of credit card debt, it can look daunting, but each extra amount that you can put towards the debt will really add up – no matter how small it is.

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It does not just reduce the principal amount that you have left to pay off, but it reduces the amount that is collecting interest. You will always save money with that reduced interest.

4. Create a plan on how to pay extra

Back to the main point, having this plan is giving you one less thing to think about.

This plan should be a plan that works for you. If it does not work for you, your spending habits, and your views on debt, then it will not be an effective plan.

For instance, if a set plan of an extra $50 (or another amount that you know you can afford) works for you, then do that. Set that aside every month and pay that extra amount. Treat it like a bill. Choose an amount that works for you and pay it like clockwork as though it was a bill you had to pay each month.

Little amounts will not nix it entirely, but they will help tackle it and having a set plan can make it less of a chore. Creating a new plan of how much to put towards it each month is an unnecessary added stress.

5. Cut out costs for services you do not use

If you are signed up for subscriptions that you do not use because of some free trial or for some other reason, cut it out. Your overall financial position will look better.

In turn, that will make cutting your credit card debt easier. Look at your statements to find these expenses. If you do not use them, you may forget you are paying some unnecessary amount each month. Cutting it out can really add up in savings that you can put towards other needed expenses.

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6. Get aggressive about it

Consider these points:

Depending on the interest and the level of debt, you may need to give up a few indulgences. For example, instead of ordering delivery or going out to eat, cook at home. Everything adds up.

Other things may be more of a sacrifice. It may be a trip you wanted to go on, or a daily latte habit you’ve picked up. In these instances, consider how important it is to you and if it’s worth the sacrifice. And if it is a costly expense, think whether you can wait to indulge.

Cutting an extravagant expense can really help make a dent in your overall debt. Try not to add to debt when you are trying to pay it off. It will be a never-ending battle. Make it less of a battle with these tips and it will feel easier.

Bottom line: Do what you can to make this process easier for you. Implement steps that do this. It takes time now, but will help overall. Also, keep track of your spending and paying down of your debts. Which is the next point.

7. Reevaluate your progress at set intervals

Doing a regular check-in can help you see your efforts pay off or maybe indicate that you need to give this a bit more effort. If you check every 3-6 months, it will not feel so much like a chore or feel so daunting.

By doing this, you will be able to better understand your progress and perhaps readjust your plan. Bonus: if you see it pay off, it will feel great to do this check-in. You will get there.

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Finally (and most importantly)…

8. Keep trying

Do not get discouraged. Pushing it off will make it worse. Just keep trying.

Once your debt becomes lower, each monthly payment will reduce the balance more. Why? You are paying less towards interest. It will be a snowball effect eventually and it will become much easier to manage. Just get to that point. And know once you do, it will feel easier and motivating.

Start knocking out your debt today

The best way to eliminate debt is to get started right away. Begin by implementing the above steps and watch your debt just melt away. Try out some of the above strategies and see what works best for you. Soon you’ll be on your way to a debt free life.

Featured photo credit: Pexels via pexels.com

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