How to Make Your Financial Goals a Reality

Do you have a solid plan that will make your financial goals a reality?

Craig has recently written some excellent articles on how to create SMART goals.  These are goals that are specific, measurable, attainable, relevant and time-bound.

However, setting financial goals is just the first step.  Once you have your aspirations properly identified, you’ve got to follow a concrete, actionable plan to move from where you are to where you want to be.

You need a map and directions to reach your desired destination, one that lays out your path in a step-by-step manner.

Financial Goals without a Plan are Pointless

Supre Charged Guide to Financial FreedomWriting out goals is definitely a “smart” thing to do.  After all, if you shoot for nothing, then that’s exactly what you are going to get.  But, we all know what happens with many of our resolutions.  They quickly fade into oblivion.


Because we never develop a strong enough plan to make what we hope for a reality.  As a result, our goals become nothing more than wishful thinking.

How committed are you to achieving your financial goals this year?  What are you willing to do to get there?

Do you want to?

  • Pay off some (if not all) of your debt
  • Save more for retirement
  • Get control of your spending
  • Start a new business
  • Work at a more satisfying job
  • Have money to do things you enjoy

These are all fantastic financial goals, but how are you going to make them a reality?  Do you have a specific enough plan to achieve them?  If not, then your goals are pointless.  They aren’t worth the paper you wrote them down on.  I’m sorry to rain on your parade, but this is the cold, hard truth.

How to Make Your Financial Goals a Certainty

None of us want our goals to evaporate before our eyes.  If you’ve taken the time to create SMART goals as Craig recommends, then you know what you want.  This is a big first step, but now it is time to take action before it all slips away.

I’d like to offer a suggestion that I think will help you make the achievement of your financial goals almost certain.  I know this sounds pretty bold, okay very bold, but the reason I am so sure of it is because I’ve followed this plan myself.


About five years ago, I was buried in debt, spending way more than I earned and failing to save in the way I know I needed to for my future.  It was a stressful, depressing place to be.  However, I got on a plan and I turned it all around.  Today, I’m debt-free except for my mortgage, my spending is under control and I’m living a less stressful, more enjoyable life.

The key to this turnaround for me was getting on a plan.

If you need a plan to make certain that you achieve your financial goals, then please check out my Super-Charged Guide to Financial Freedom.  It lays out an exact plan for making certain you have the financial fundamentals in place to meet your goals.  Whatever it is that you want to achieve with your money, if you apply the principles taught in this guide, you are almost certain to get there.  I’m that sure of it.

Don’t let your SMART goals turn into just wishful thinking, get on a plan that will take you to your destination in the shortest time possible.

[Craig] I’ve been reading My Super-Charged Life for a long time now and love the articles Jeff writes on the site.  His stuff is informative and makes sense.  So does his eBook, Super-Charged Guide to Financial Freedom.  It’s an easy-to-understand book, filled with plans to get you on the right financial track.  Along the way, Jeff lays out steps for you to takes on your road to financial freedom.  He also includes extra content long the way to help you out (like spreadsheet to use).

What makes Jeff a unique financial writer is he talk about life first and finances second.  He understands that getting out of debt isn’t only about numbers and spreadsheets – It’s about changing your habits and in turn, your life!

If you need help with your finances then this is certainly book to take a look at.

Jeff Nickles writes about good habits for a great life at  He is a regular guy on a quest to live life to its fullest.  You can follow Jeff on his blog or via Twitter @jnickles.

Supre Charged Guide to Financial Freedom

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Published or updated April 9, 2013.


  1. Laran Evans says:

    So true! To take it a step further, I think motivation is the #1 influencer when it comes achievement. Having a plan, like you say is essential. But once you have that, motivation is the key to executing the plan and achieving your goals.

    Thanks for the post.

  2. Great advice.

    I’d like to recommand a goal setting tool at, a very nicely built web app designed for tracking goals and todo lists, and supports time tracking too. It’s clear, focused, easy to navigate, worth a try.

  3. Great post! Achieving your financial goals starts and ends with YOU.

    Gaining knowledge, setting SMART goals, laying out a plan and having the courage to take the necessary actions leads you down the path for success. However, personal behavior change (self-control, discipline) is what keeps you there.

  4. Excellent tips – I really like the acronym SMART. I’ve been creating savings strategies for myself to meet this year’s goal and my plan is working so far. ;)

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