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	<title>Comments on: 31 Days To Fix Your Finances, Day 3: Create A Plan For Each Goal</title>
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	<link>http://www.thesimpledollar.com/2007/01/03/31-days-to-fix-your-finances-day-3-create-a-plan-for-each-goal/</link>
	<description>Simple, applicable personal finance advice for the modern world</description>
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		<title>By: Jessica</title>
		<link>http://www.thesimpledollar.com/2007/01/03/31-days-to-fix-your-finances-day-3-create-a-plan-for-each-goal/comment-page-1/#comment-601783</link>
		<dc:creator>Jessica</dc:creator>
		<pubDate>Mon, 30 Mar 2009 21:24:46 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/01/03/31-days-to-fix-your-finances-day-3-create-a-plan-for-each-goal/#comment-601783</guid>
		<description>Great stuff! Day 3 is out the way. This was not an easy task, but it does put everything in perspective which  helped me realized the amount of planning I have to do in order to achieve my goals. No more space for day dreaming, only actions count!
i am glad I have done this and I am now looking forward to delve further into the exercise and see the results.

Thanks again</description>
		<content:encoded><![CDATA[<p>Great stuff! Day 3 is out the way. This was not an easy task, but it does put everything in perspective which  helped me realized the amount of planning I have to do in order to achieve my goals. No more space for day dreaming, only actions count!<br />
i am glad I have done this and I am now looking forward to delve further into the exercise and see the results.</p>
<p>Thanks again</p>
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		<title>By: Rich Lykyu</title>
		<link>http://www.thesimpledollar.com/2007/01/03/31-days-to-fix-your-finances-day-3-create-a-plan-for-each-goal/comment-page-1/#comment-537680</link>
		<dc:creator>Rich Lykyu</dc:creator>
		<pubDate>Thu, 26 Feb 2009 01:00:19 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/01/03/31-days-to-fix-your-finances-day-3-create-a-plan-for-each-goal/#comment-537680</guid>
		<description>Great post, I currently setting some personal finance goals and this post hits home. I hope to be able to achieve the little stpes to reach each milestone.</description>
		<content:encoded><![CDATA[<p>Great post, I currently setting some personal finance goals and this post hits home. I hope to be able to achieve the little stpes to reach each milestone.</p>
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		<title>By: Sally</title>
		<link>http://www.thesimpledollar.com/2007/01/03/31-days-to-fix-your-finances-day-3-create-a-plan-for-each-goal/comment-page-1/#comment-500611</link>
		<dc:creator>Sally</dc:creator>
		<pubDate>Thu, 29 Jan 2009 15:35:02 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/01/03/31-days-to-fix-your-finances-day-3-create-a-plan-for-each-goal/#comment-500611</guid>
		<description>I love this!!!  The best thing is that many of my goals don&#039;t require money, or very little.  

For my family goal, I want to design a house that will be good for my kids and grand-kids to come back to for holidays and family reunions.  I already have graph paper and pencils.  What I need are a few ideas.  

I set a goal to spend some time at the &quot;Parade of Homes&quot; looking at some of the biggest, fanciest houses in my area.  My daughter has to go for an interior design class so we will have fun together :D  

I think the tickets are $10 and I&#039;ll take pictures of every good idea I find. My goal is more steered toward &quot;big&quot; rather than &quot;fancy&quot; but at the moment I don&#039;t even know what is available.  

I designed the house we built 15 years ago and still live in, but the kitchen was just a blank spot in the middle of the floor plan.  Luckily we found used cabinets that fit in our blank spot and saved us close to $7000.  

This time I want to design the perfect large group kitchen. :D  And a bigger family room would be nice too.</description>
		<content:encoded><![CDATA[<p>I love this!!!  The best thing is that many of my goals don&#8217;t require money, or very little.  </p>
<p>For my family goal, I want to design a house that will be good for my kids and grand-kids to come back to for holidays and family reunions.  I already have graph paper and pencils.  What I need are a few ideas.  </p>
<p>I set a goal to spend some time at the &#8220;Parade of Homes&#8221; looking at some of the biggest, fanciest houses in my area.  My daughter has to go for an interior design class so we will have fun together :D  </p>
<p>I think the tickets are $10 and I&#8217;ll take pictures of every good idea I find. My goal is more steered toward &#8220;big&#8221; rather than &#8220;fancy&#8221; but at the moment I don&#8217;t even know what is available.  </p>
<p>I designed the house we built 15 years ago and still live in, but the kitchen was just a blank spot in the middle of the floor plan.  Luckily we found used cabinets that fit in our blank spot and saved us close to $7000.  </p>
<p>This time I want to design the perfect large group kitchen. :D  And a bigger family room would be nice too.</p>
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		<title>By: Dave</title>
		<link>http://www.thesimpledollar.com/2007/01/03/31-days-to-fix-your-finances-day-3-create-a-plan-for-each-goal/comment-page-1/#comment-272936</link>
		<dc:creator>Dave</dc:creator>
		<pubDate>Fri, 09 May 2008 19:16:53 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/01/03/31-days-to-fix-your-finances-day-3-create-a-plan-for-each-goal/#comment-272936</guid>
		<description>Rob,

I think you got your short term goals right there.

In the next tree days, I will find the balances and percentage rates of all my accounts.

In the next week, I will call the credit card companies and negotiate better rates. I will also set up an automatic deposit from checking to savings, even if it&#039;s one dollar a month.  I will also set a weekly budget for my &#039;wants&#039;, assuming all my needs are already taken care of.

Every week, I will take the money from my budget that I haven&#039;t spent, and put it in savings.

In the next month, using the money I&#039;ve put aside from my weekly budget, I will significantly pay down one of my credit cards.

In the next six months, I will either have six of my credit cards paid down, or I will have money in the bank.

-Dave</description>
		<content:encoded><![CDATA[<p>Rob,</p>
<p>I think you got your short term goals right there.</p>
<p>In the next tree days, I will find the balances and percentage rates of all my accounts.</p>
<p>In the next week, I will call the credit card companies and negotiate better rates. I will also set up an automatic deposit from checking to savings, even if it&#8217;s one dollar a month.  I will also set a weekly budget for my &#8216;wants&#8217;, assuming all my needs are already taken care of.</p>
<p>Every week, I will take the money from my budget that I haven&#8217;t spent, and put it in savings.</p>
<p>In the next month, using the money I&#8217;ve put aside from my weekly budget, I will significantly pay down one of my credit cards.</p>
<p>In the next six months, I will either have six of my credit cards paid down, or I will have money in the bank.</p>
<p>-Dave</p>
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		<title>By: Elizabeth</title>
		<link>http://www.thesimpledollar.com/2007/01/03/31-days-to-fix-your-finances-day-3-create-a-plan-for-each-goal/comment-page-1/#comment-84664</link>
		<dc:creator>Elizabeth</dc:creator>
		<pubDate>Wed, 10 Oct 2007 16:31:41 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/01/03/31-days-to-fix-your-finances-day-3-create-a-plan-for-each-goal/#comment-84664</guid>
		<description>&quot;As well, some of my values (such as Fun Excitement adventure) don&#039;t really give them selves well to setting goals.&quot;

Rob, I thought the same thing when I began this exercise, so I began by doing two things for my &quot;Fun/Pleasure/Enjoyment&quot; goals:

1. Made a list on a blank sheet of paper of all the hobbies and activities I really enjoy, want to learn more about, places I would like to visit, etc.

2. I asked about a dozen people what their 25 year goal would be for &quot;Fun,&quot; and I found some remarkable data.  Most people don&#039;t think past 5 or 10 years (from my age group--the twenty somethings, all the way to my parents age group), but in a 25 year context, you really think about what motivates your &quot;free time&quot; and how you spend the hours in the day for yourself and enrichment.

Lastly, after I made the list and asked around, I noticed that for me, part of this value of &quot;Fun/Pleasure/Enjoyment&quot; includes &quot;Excellence.&quot;  Once I hit on that one word, the 25 year time frame became LIBERATING!  In 25 years, I could really learn to excel at something, imagine that!

I went back to my list and saw that I enjoy: travel, mountaineering, cooking, languages, learning new cultures, and reading.  With this information I could make my 25 year goal: &quot;In 25 years I would like to choose 3-4 countries or regions to become an expert in language, type of cuisine, a cultural activity, history, and current events.  Each study would conclude with a month long sebatical to visit the country/region and climb a mountain there.&quot;

This goal now governs ALL my free time.  While I haven&#039;t quite figured out how to include others (God, Family) into this goal, I&#039;m excited to include my love ones in this pursuit.

Now, everytime I pick up a newspaper, a book, go to the library, look up a new recipe, sign up for a language learning podcast, I&#039;m excited to think to myself: &quot;maybe this book or this recipe will reveal my NEXT 5 year adventure in travel through excellence!&quot;

Lastly, my one year &quot;Fun/Exellence&quot; goal is to choose a country and enroll in a course associated with the first thing that I&#039;d like to learn about that country.  I&#039;m thinking either Russia or Tanzania.  Russia, due to my heritage, or Tanzania because I&#039;m eager to climb Mount Kilimanjaro.

Happy Living!</description>
		<content:encoded><![CDATA[<p>&#8220;As well, some of my values (such as Fun Excitement adventure) don&#8217;t really give them selves well to setting goals.&#8221;</p>
<p>Rob, I thought the same thing when I began this exercise, so I began by doing two things for my &#8220;Fun/Pleasure/Enjoyment&#8221; goals:</p>
<p>1. Made a list on a blank sheet of paper of all the hobbies and activities I really enjoy, want to learn more about, places I would like to visit, etc.</p>
<p>2. I asked about a dozen people what their 25 year goal would be for &#8220;Fun,&#8221; and I found some remarkable data.  Most people don&#8217;t think past 5 or 10 years (from my age group&#8211;the twenty somethings, all the way to my parents age group), but in a 25 year context, you really think about what motivates your &#8220;free time&#8221; and how you spend the hours in the day for yourself and enrichment.</p>
<p>Lastly, after I made the list and asked around, I noticed that for me, part of this value of &#8220;Fun/Pleasure/Enjoyment&#8221; includes &#8220;Excellence.&#8221;  Once I hit on that one word, the 25 year time frame became LIBERATING!  In 25 years, I could really learn to excel at something, imagine that!</p>
<p>I went back to my list and saw that I enjoy: travel, mountaineering, cooking, languages, learning new cultures, and reading.  With this information I could make my 25 year goal: &#8220;In 25 years I would like to choose 3-4 countries or regions to become an expert in language, type of cuisine, a cultural activity, history, and current events.  Each study would conclude with a month long sebatical to visit the country/region and climb a mountain there.&#8221;</p>
<p>This goal now governs ALL my free time.  While I haven&#8217;t quite figured out how to include others (God, Family) into this goal, I&#8217;m excited to include my love ones in this pursuit.</p>
<p>Now, everytime I pick up a newspaper, a book, go to the library, look up a new recipe, sign up for a language learning podcast, I&#8217;m excited to think to myself: &#8220;maybe this book or this recipe will reveal my NEXT 5 year adventure in travel through excellence!&#8221;</p>
<p>Lastly, my one year &#8220;Fun/Exellence&#8221; goal is to choose a country and enroll in a course associated with the first thing that I&#8217;d like to learn about that country.  I&#8217;m thinking either Russia or Tanzania.  Russia, due to my heritage, or Tanzania because I&#8217;m eager to climb Mount Kilimanjaro.</p>
<p>Happy Living!</p>
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		<title>By: rob in Madrid</title>
		<link>http://www.thesimpledollar.com/2007/01/03/31-days-to-fix-your-finances-day-3-create-a-plan-for-each-goal/comment-page-1/#comment-22343</link>
		<dc:creator>rob in Madrid</dc:creator>
		<pubDate>Wed, 02 May 2007 19:41:05 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/01/03/31-days-to-fix-your-finances-day-3-create-a-plan-for-each-goal/#comment-22343</guid>
		<description>I did the values and long term goals but I haven&#039;t done this step because I can&#039;t work on some of my long term goals, for example buying a house because I first need to get some cash in the account than pay off some credit cards than I can start thinking serious about buying a house. As well some of my values (such as Fun Excitement adventure) don&#039;t really give them selves well to setting goals.</description>
		<content:encoded><![CDATA[<p>I did the values and long term goals but I haven&#8217;t done this step because I can&#8217;t work on some of my long term goals, for example buying a house because I first need to get some cash in the account than pay off some credit cards than I can start thinking serious about buying a house. As well some of my values (such as Fun Excitement adventure) don&#8217;t really give them selves well to setting goals.</p>
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		<title>By: Trent</title>
		<link>http://www.thesimpledollar.com/2007/01/03/31-days-to-fix-your-finances-day-3-create-a-plan-for-each-goal/comment-page-1/#comment-5008</link>
		<dc:creator>Trent</dc:creator>
		<pubDate>Sun, 04 Feb 2007 00:36:03 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/01/03/31-days-to-fix-your-finances-day-3-create-a-plan-for-each-goal/#comment-5008</guid>
		<description>I&#039;d also like to mention &lt;a href=&quot;http://www.rememberthemilk.com/&quot; rel=&quot;nofollow&quot;&gt;Remember the Milk&lt;/a&gt; for list management; it&#039;s what I use.</description>
		<content:encoded><![CDATA[<p>I&#8217;d also like to mention <a href="http://www.rememberthemilk.com/" rel="nofollow">Remember the Milk</a> for list management; it&#8217;s what I use.</p>
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		<title>By: Melanie</title>
		<link>http://www.thesimpledollar.com/2007/01/03/31-days-to-fix-your-finances-day-3-create-a-plan-for-each-goal/comment-page-1/#comment-5000</link>
		<dc:creator>Melanie</dc:creator>
		<pubDate>Sat, 03 Feb 2007 22:48:48 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/01/03/31-days-to-fix-your-finances-day-3-create-a-plan-for-each-goal/#comment-5000</guid>
		<description>I also thank you for the series.  I&#039;m trying to get a better handle on my finances and this series is really helping.  Setting goals and making plans seems to be the piece that I&#039;ve been missing.  I&#039;ve cut expenses and started using a budget so that I save every month, but being more clear about what I&#039;m saving FOR makes it all a little easier.

And Bob, thanks for the tip about gubb.net.  All these lists were getting a little unwieldy!</description>
		<content:encoded><![CDATA[<p>I also thank you for the series.  I&#8217;m trying to get a better handle on my finances and this series is really helping.  Setting goals and making plans seems to be the piece that I&#8217;ve been missing.  I&#8217;ve cut expenses and started using a budget so that I save every month, but being more clear about what I&#8217;m saving FOR makes it all a little easier.</p>
<p>And Bob, thanks for the tip about gubb.net.  All these lists were getting a little unwieldy!</p>
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		<title>By: bob</title>
		<link>http://www.thesimpledollar.com/2007/01/03/31-days-to-fix-your-finances-day-3-create-a-plan-for-each-goal/comment-page-1/#comment-4757</link>
		<dc:creator>bob</dc:creator>
		<pubDate>Thu, 01 Feb 2007 18:07:10 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/01/03/31-days-to-fix-your-finances-day-3-create-a-plan-for-each-goal/#comment-4757</guid>
		<description>this is a fantastic series. i&#039;m just catching up, and plan to be through it by end of february. here&#039;s a tip: i discovered gubb.net, a site for lists, and it&#039;s been a great help for this step, since lists can be copied, color-coded (blue for long-term goals, green for short-term goals), and due-dated.

thanks again.</description>
		<content:encoded><![CDATA[<p>this is a fantastic series. i&#8217;m just catching up, and plan to be through it by end of february. here&#8217;s a tip: i discovered gubb.net, a site for lists, and it&#8217;s been a great help for this step, since lists can be copied, color-coded (blue for long-term goals, green for short-term goals), and due-dated.</p>
<p>thanks again.</p>
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