Setting financial goals the right way is your opportunity to achieve your wildest dreams, and make real progress towards your financial success.​

So, are your financial goals in line with the things you truly want to accomplish in your life?

When it comes to creating financial goals, making sure you’re creating the right goals for YOU is how to get to living life on your own terms!​

And it’s not just about setting goals. It’s also about taking strategic and specific actions in order to achieve them.

I am passionate about helping you get clear on your financial goals and objectives and adjust your mindset so you can start getting the things you REALLY want out of life.


Let’s talk about your core values.  You’re more than likely excited about setting your financial goals right? Your financial goals are essentially the BIG picture of where you want to get to with your finances.  They are what you are working so hard to achieve.  So you want to make sure that you are really clear on your goals, so that you can eliminate the unimportant things and focus on knocking your goals out of the park.

In order to set the right financial goals, you need to determine your core values.  Your core values are the things that are most important to you.  They are things that you hold onto above everything else.  In order to live the life of your dreams, you need to know what is important to you and prioritize these things.  When your goals are structured around the things that matter to you most you are more likely to achieve them.  You are more likely to go outside your comfort zone to achieve them.

Once thing about core values is it is personal.  What is most important to me, may not be what is important to you.  So when working on finding your core values don’t compare what other people are doing.  Instead focus on what you really want and what will make you happy.


  • If you dream of traveling, then one of your core values is Travel
  • May be you want to build wealth for you and your family, then one of your core values: Financial Security

For many people this is a top value, especially when they want to pass down generational wealth.

  • You may want to build a school for the under-privileged children or perhaps start a soup kitchen for the homeless. Then one of your core values: Giving Back

So what are your core values? Start thinking about what is most important in your life.  What are those BIG things that if money were no object, you would go out and do or get?

There are no short cuts to success.  You are planning your dream life. As you work through your core values, don’t forget your Why. Ask yourself as you write down your core values: “Why is this important to me?” 


So lets get into how you can set your financial goals the right way.  As you start to set your financial goals you want to use your core values as a baseline when creating them. You want to be clear on the $ amount and the time frame in which you want to achieve your goal.  Your financial goals are what you want to achieve with money, based on the type of life you want to live.

Having solid financial goals in place gives you something specific to work towards which in turn makes you more likely to achieve your goals. Having financial goals will set you on the path to financial success.

It is one of the things that will help tell your money where it needs to go.  You are the boss of your money.  Manage your money, or your money will manage you.

My goals have kept me grounded and focused even when I have been distracted, slipped up or lost the plot.  Having goals reminds me of my BIG picture of what I want to accomplish with my money.  This was I’m able to get back on track when I do get distracted.

Think about something that you have wanted to accomplish and you were committed to working on.  It was probably tired to a goal that was linked to a desired result or end state that you wanted to have, right? The same thing applies to your financial goals.  Having clear goals can keep you on track, when it comes to paying off debt, managing your spending, saving money or investing.

Let’s look at the Core Value examples again:

Core Value: Financial Security

You have debt of R30,000 and you want to be debt free, you will need to:

  1. Determine: How much you owe; Interest rates, terms of the debt
  2. Create a debt priority and payment plan

So after listing all your debt, you can either prioritize it by paying off the largest or smallest debt first. Or by interest rate, so pay the debt with the highest interest rate first. Once you have decided what will work best for you, you then need to put a payment plan in place.

  1. Build the plan into your budget.

Core Value: Travel

Say you want to take a luxury 2 week holiday to Tuscany, you will need to:

  1. Research the approximate cost of the trip so that you can build the cost into your goal.
  2. Set a target date for when you would like to travel
  3. Build your plan into your budget.


How to get everything you want

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Now it’s time for you to create your own goals. When it comes to creating your goals the first thing you want to do is:

  1. Write down your goals (align to your core values)
  2. Break them down into
    • Short-term ( next 12 months)
    • Medium-term (5-10yrs)
    • Long-term (10yrs +)
  3. Put them somewhere you will see them often.

It’s pretty pointless writing down you goals and then never looking at them again.  The chances of you actually achieving them are slim. So make sure that you put them up somewhere where you will see them often.

  1. Schedule time to work on your goals daily and review them often to make sure you are on track.

Reminder: Make sure your goals are tangible and have a specific time frame and $ amount tired to them.  This will contribute to your success!



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