Using Goals to Become Financially Successful

Money is a topic that is on everyone’s minds. We need it to eat, for shelter, to buy absolutely everything. There is no wonder why Jesus talked about money more than he did love in the new testament. Money is all around us and we have to deal with it. Letting our money just go by is not an option. We need to be intentional with our money, and have a plan for it. If we don’t have a plan for our money, we’ll end up falling for Visa’s and Citibank’s plan for our money, which will leave it in their pockets, and not ours.
Having goals for your money is not optional, period. You have to have financial goals in order to be successful. If you let your money just come and go as you get your paychecks and buy your daily expenses, you won’t make any progress. When you have a financial goal and make it a priority, you will then find your self working hard to meet that goal. You will spend less money, work extra hours, and make achieving that goal a priority. It does work, you just need to go out there and do it!

So we understand that financial goals are important, but what financial goals should we have? It depends where you are in life. If you’re just starting out, you will probably want to save 6 months of living expenses for emergencies. That can easily be a goal. Save up money until you have a nice pile of cash in case an automobile breaks down or you need some prescription drugs from the doctor.

If you have money for emergencies, you should probably focus on getting debt out of your life. Focus on paying off a car, or kicking Sallie Mae out of the spare bedroom! Focus on your debts one at a time, most preferably from smallest to largest, and get rid of them!

When you have money for emergencies saved up and are done with your debt, now you can start saving seriously. You might want to focus on saving money for retirement, such as putting x number of dollars in your 401k or ROTH IRA each month for retirement. If your retirement plan is going just fine, and your finances in order, you might want to consider paying off your home early by making extra large principal payments on it.

If all of these goals are said and done, you don’t have much to do besides build a bunch of wealth and give a lot of it a way. We can accomplish these things, but first we must set goals in order to accomplished them! Make goals and stick to them!

The Four Billion Dollar Government Financial Scam You Might Not Have Heard Of

The Spanish Riviera was red hot for real estate development with nearly a million building permits authorized . Miguel Angel Torres of Mirabella , Spain created an empire as a public land use planning authority of over 2.4 billion euro which was nearly 4 billion US Dollars. You can google his name to get more details and follow the ongoing scandal. Mirabella is the town in Spain where the Kind of Saudi Arabia built his Spanish summer home. Miguel Angel Torres was living way found living way beyond his means on a 150,000 euro annual civil servants salary with net assets of over 2.4 billion euros. He had private a private plane, a helicopter, guard tigers, a big estate home, Fancy art work and everything a public planning authority should have. Why do kids dream about a magic world where Harry Potter lives when they can just go into public service and become a land use planner?
Some people always wondered if something like that might not be happening in Oregon and Portland with the very tight development land use planning laws and those famous instances where businesses can be charged more than $40,000 just to move a pizza restaurant across the street on Se Belmont in Portland? Portland also selectively changes the urban growth boundry to allow the good people to develop more tract homes on the fringe. How much does it really cost them?

Hit with those sort of fees it is hard to believe that anyone actually getting anything developed in Oregon is not being forced pay bribes to hypocrites running the Oregon system. In Spain the land use planners mastered the scam very definitely. They probably have land use planning conventions in Spain where they get together and compare notes on how to get bigger bribes to allow real estate developers to do what they do? It is not exactly legal even in Spain but apparently it was very effective. The whole reason for land use developers in Spain just as in Oregon is supposed to be to prevent over building and saturation of the land scape with sprawl but urban planners seem to see the huddles put up by stringent laws as a secondary income. One has to wonder why most of what gets approved in Oregon as it does. Having seen commissioners on the Gorge commission buy up property in the hope of reselling them at a profit to save the earth supposedly It is hard to believe that Oregon does not have more than one Miguel Angel Torres running a bribe as you go scam. Always suspected something like this was possible now when it is exposed as a criminal prosecution in Spain for nearly 4 billion dollars, US, it only raises suspicions. Move over Madoff you have real competition.