4 Steps How You Can Set And Achieve Your Financial Goal

Do you have a financial goal? Yes? No?

If yes, have you achieve your financial goal? Or you still have not achieve it after years of having that financial goal?

Well if you already have or you do not have a financial goal, keep on reading. There will be a new things that you can scoop from here which will help you later on.

So In this post, I am going tell you 4 steps how you can set and achieve your financial goal. Setting and achieving your financial goal will be the most important part when you are setting up your business or when you have started working or finding your own money. It is important since with financial goal, it will help you to measure yourself and identify on the things that need to be done to achieve your financial goal.


Step #1: What you want to have in your life within 1 year from now?

The first step in setting up and achieving your financial goal is by asking yourself what you want to have in your life within 1 year from now or in much simpler term, what is your dream?

I think you have heard people said that, if you have a dream you will be dreaming and lost track so stop dreaming. But the real fact is having a dream is important, and you will only lose track if you have too much dream plus you did not take any action to achieve it or your dream is not realistic. Further more in setting up your financial goal, it is important really important for you to have a dream.


Because your dream will be a part of you that make you want to realize your goal. Your dream is what you want and it will be the main attraction for you to work on your financial goal. For example if you are currently renting a room with your friend and your dream is having your own house, since you dislike having to share the room with someone else where you do not have your own privacy, then you will unconditionally do all kind of job so that you can save money and finally buy yourself a house. But if you do not have that dream, do you think that you will be working harder? The answer is NO since you never tell yourself to buy a house and thus having your own house is impossible. But if you keep telling yourself I dream of having my own house, then you will consciously and unconsciously start working and saving so that you can buy a house.

By the way in Step #1 having a dream is not enough since most of the time it is not measurable. So that is why step #1  is about what you want to have in your life within 1 year from now. Which you need to ask yourself what is your dream within the 1 year time frame and it must be 1 year since 1 year not too long and not too short that makes it to be the ideal duration to achieve what you want.  If you did not put the time frame, it will be difficult to know when you suppose to achieve the dream. By having a 1 year time frame, if you reach your 1 year and have not achieve your dream, then you will need to revise the dream so that it is easily achievable.


What you want to have in your life within 1 year from now? Take a pen and your favorite note-book and write all of it down. Don’t forget to imagine it. I give you an example;


  1. I want to buy a house which is near to my workplace / my kid’s school / the city / the mountain so that I can easily go to work / easily send my kids to school / easily enjoy city life / easily go hiking every day and avoid busy city life and so on.
  2. I want to buy a Ferrari / Porsche / Jaguar / Toyota / Honda / Tesla car so that I can change my old car / easily go out / save fuel / join the car club / have my first car
  3. I want to pay my loan / get married with … / travel to … / retire early / and so on
  4. I want to have $1,000,000/ $500,000 in my bank

A small tips, think something that you really want. If it is much more achievable is much better.

Step #2: How much money do you need to have to achieve what you want in your life?

In step #2 you need to know how much money do you need to have to achieve what you want in your life which you already set up in step #1. It will focus more on the numbers. For example if you want to buy a house in this 1 year, you have to find a real estate agent and ask them for the price. You can either make a call to them and tell them you are doing window shopping or tell them you want to buy a house and ask about the house price, the loan, the loan interest, the deposit, the surrounding, the facility and lots more that shows your interest in buying the house. With these questions you are able to know all the cost that you will have if you want to buy the house. Plus with that many questions, the real estate agent will think that you are a potential customer which is on the final phase of buying property and they will keep get in touch with you and this will stop you from going astray of your dream.

So when you know what is the cost of your dream, it will be much easier for you to measure and with this you can set a specific target. By specific I mean you can have your monthly target. Let’s say the cost of a house which you want to buy without any loans is $300,000 so since you want to buy the house within 1 year, you must divide the house price into 12 months

Monthly Target250002500025000250002500025000250002500025000250002500025000
Cumulative Target25000500007500010000125000150000175000200000225000250000275000300000

And with the data above you know your monthly target is $25,000. Means you need to save $25,000 every month so that you can buy the house at the end of the 12th month.

But wait!

That data shows exactly what you need means that you do not have margin. Why do you need a margin? Have you ever heard of a saying if you want to shoot a bird, aim for the moon? This means that if you want to achieve something, aim higher so that if you fall you will be as close as possible to your target. And it is the same case with the money you need to buy the house. Aim higher. Let’s say 25%, 50% or 100% higher than your goal.

Monthly Target250002500025000250002500025000250002500025000250002500025000
Cumulative Target250005000075000100000125000150000175000200000225000250000275000300000
25% More than Monthly Target
Cumulative 25%
50% More Than Monthly Target375003750037500375003750037500375003750037500375003750037500
Cumulative 50%3750075000112500150000187500225000262500300000337500375000412500450000
100% More than Monthly Target500005000050000500005000050000500005000050000500005000050000
Cumulative 100%50000100000150000200000250000300000350000400000450000500000550000600000

So pick either 25%, 50% or 100% more that you need to save in order to buy the house.

Let say we pick at 50%. With 50% we know that in order to buy the house, we need to save $37,500 every month. At August we will be able to buy the house and the end of the year we will save up to $450,000. If you did not aim this high, imagine if during 1 of the month you are not productive due to external problem that stop you from making money, would you still be able to buy the house? Of course yes since the money that you make is still above $300,000 which is the money needed to buy the house. Thus always aim higher so that you can fall at the target and also go beyond the target. By going beyond, you will have more money to spend!

Step #3: How do you find such money?

Step #3 will be about how do you find the money to achieve your financial goal. If you know how much money you need to get every month, it will be easier for you to know what you need to do. For example your target is buying a house that will cost $300,000 and from step #2 you calculate that you need to at least make $37,500 every month so that you can buy your house after 8 months. So where do you actually find $37,500 a month so that you can buy your house? By working with big company? or maybe by opening your own business?

The closest answer should be opening your own business. So what business that you think will generate that large sum of money every month? Import-export, retail shop, clothing shop, supermarket, online business and all kind of business could generate you money but not all can generate the amount that you needed.

You have to think of a business that you can do which will help you generate the sum of money that you have calculated previously. And in this case I will suggest you to have a look on Turnkey Business System. Why do I suggest that? Because Turnkey Business System is a system which will help you to generate $1250, $3300, $5500 and $10,000 commission per sale. Plus in my life, I had never meet such system that generate big commission. I only know MLM will help generate big commission but after 1 or 2 years the company will collapse due to illegal activity. And believe me, this is not stock market, not MLM, not get rich scheme. It is an affiliate marketing, high tier at that.

So imagine that you want to make $37,500 per month, how much do you need to sell a $1250 ,$3300, $5500 and %10,000 products?

Here is the calculation

$1250 Product x 30 Sales = $37,500

$3300 Product x 12 Sales = $39,600

$5500 Product x 7 sales = $38,500

$10000 Product x 4 sales = $40,000

And isn’t it is much easier to achieve that much of sales?

Step #4: Execute your plan

If you already know how much you need to make and where is the best way for you to earn it, then go on with your plan utilize step #1 and step #2 properly. But if you don’t know any business that is suitable for you, join in Turnkey Business System course and you will learn how you can make $1250, $3300, $5500 and $10,000 commission per sale. Please proceed by applying to the course. It is simple, and easy to learn even if you are a construction worker or a maid. Bu joining you will receive these few benefits;

  1. You will learn how to set up your business step-by-step
  2. You will get your first most valuable and VVIP Coach, Senior Coach and Traffic Coach in your contact list .
  3. You can access into training and marketing material which will help you to make your first big commission.
  4. You have lifetime access into your education products
  5. You can meet with over 3000 active community members that is using the system to reach their financial freedom.
  6. You are able to know those who are making 6,7 and even 8 figures income and of course you can see what they are doing to get make 6,7, and 8 figure income.
  7. You will have access into premium products that could generate up to $10,000 commissions.

And as and additional bonus, once you have completed the course, you can also claim your extra coaching with me that is worth $247 per session. Please have a look on my previous post here;

Free 30 Minutes Coaching “Building Your First Blog”


So through Step #1 to Step #4, I have told you how you can set your goal and achieve your goal. This is a very simple task that you need to do.

Once you already in it and is on the success path, always go forward. While going forward sometimes you must also look back to see your past mistakes and to prepare a plan to avoid that mistakes. When you already finish your 1 year time frame and able to achieve your goal, then get another goal so that your life will not be boring. If by the end og the 12th month you did not achieve your goal, be a little lenient. Make the goal a bit lower and at the same time aim higher so that your goal will give change to your life.

A little note from me, in this post I my example is a dream of buying a house. But you can always use it for other dream such as buying car, financial freedom and so on. Change it as you see fit. And if you are going for 3 goals at the same year, the calculation should also add up all the other goal so that you know how much you need to generate every month and the cumulative amount reach your goal value. Hope you like this post and please subscribe to my email list for more updates from me.


Written by Papa Shally
I start blogging in 2008 but I have never take blogging seriously. And that is the biggest mistakes that I make in my life. In 2010 I almost stop blogging completely. I concentrate on my low paying day job and was too tired to even look at my blog. But then I still keep my blog and websites up. After 7 years, I realize that I cannot only depends on my day job. I could not afford being in the rat race 9 to 5 work and also on unpaid on-call work. Then I realize something, if I never stop blogging in 2010, I will have lots of audience by now. It takes few years for me to realize this mistakes. And now here I am again, creating a good content for you. I hope you can subscribe to my mailing list and also like my Facebook page. Also, if you found that my content is good, please share it with your friend. Thanks. - Papa Shally