Goals give you an idea as to what you want to achieve. They can vary from just plain savings to your retirement, to your child's education, buying a house, buying a car, funding your or your son's/daughter's marriage etc. The job does not end here though. Even after listing them, you must have a clear vision about their priorities. The best, way to make this daunting task easy is to divide your goals into the following three categories:
~ Responsibilities: Like providing for your parents, providing education to your children, funding their marriage, meeting any unforeseen events etc.
~ Needs: This includes requirements that you have like providing for retirement, buying a house, providing for day-to-day life and also saving for the near future, etc.
~ Dreams: Or aspirations. It can be anything like buying a luxury car to buying a solitaire for your wife or a world tour. Your dreams may be out of reach but there is no harm in listing them as this can act as a constant reminder for you to work hard.
Based on the above three criteria you categorize your goals. You need to prioritize the above listed goals in an order of importance in your life and their requirements. There needs to be a fair balance drawn between needs and responsibilities as at a certain point in time both could be equally desired by you.
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