{"id":12045,"date":"2024-02-21T07:42:45","date_gmt":"2024-02-20T23:42:45","guid":{"rendered":"https:\/\/www.infinitysolutions.com\/?p=12045"},"modified":"2024-02-21T07:45:07","modified_gmt":"2024-02-20T23:45:07","slug":"financial-wellbeing-challenge-how-to-set-smart-financial-goals","status":"publish","type":"post","link":"https:\/\/www.infinitysolutions.com\/blog\/financial-wellbeing-challenge-how-to-set-smart-financial-goals\/","title":{"rendered":"Financial wellbeing challenge: how to set SMART financial goals\u00a0"},"content":{"rendered":"<p><em><span data-preserver-spaces=\"true\">Defining goals is an important step along the way to achieving financial wellbeing. There are strong links between goal setting and success. But how exactly do you go about it? We offer some advice on how to set achievable financial goals to set yourself up for a secure future.\u00a0<\/span><\/em><\/p>\n<p>&nbsp;<\/p>\n<p><strong><span data-preserver-spaces=\"true\">The link between goals and success<\/span><\/strong><\/p>\n<p><span data-preserver-spaces=\"true\">Science proves that there are\u00a0<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/positivepsychology.com\/goal-setting-psychology\/\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">strong links between setting goals and success<\/span><\/a><span data-preserver-spaces=\"true\">. That\u2019s why defining clear financial goals is an essential step on the road to achieving financial wellbeing. Failing to set tangible goals is often the missing link between a desire to save and invest and taking active steps to do so.\u00a0<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">But how do you do it?\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><strong><span data-preserver-spaces=\"true\">Defining short, medium and long-term goals<\/span><\/strong><\/p>\n<p><span data-preserver-spaces=\"true\">It will help to split your goals into short, medium and long-term goals. While we are all different, there are recurring themes when it comes to financial planning. We\u2019ve listed some of the most common goals in each category below.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><strong><span data-preserver-spaces=\"true\">Common short-term financial goals<\/span><\/strong><\/p>\n<p><span data-preserver-spaces=\"true\">These are goals that you can achieve relatively quickly, usually within 12 months. The most common short-term financial goals are:<\/span><\/p>\n<ul>\n<li><span data-preserver-spaces=\"true\">Save an emergency fund\u00a0<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Pay off unsecured debts\u00a0<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Protect wealth with insurance<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Establish a comprehensive estate planning strategy<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Start saving into a pension\u00a0 \u00a0 \u00a0 \u00a0 \u00a0\u00a0<\/span><\/li>\n<li><\/li>\n<\/ul>\n<p><strong><span data-preserver-spaces=\"true\">Common medium-term financial goals\u00a0<\/span><\/strong><\/p>\n<p><span data-preserver-spaces=\"true\">Medium-term goals will generally take anywhere between around one and five years to complete. Some common ones are:\u00a0<\/span><\/p>\n<ul>\n<li><span data-preserver-spaces=\"true\">Pay off a student loan<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Save for a deposit on a house\u00a0<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Budget efficiently to optimise saving<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Increase contributions into a company pension<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Diversify your investments<\/span><\/li>\n<li><\/li>\n<\/ul>\n<p><strong><span data-preserver-spaces=\"true\">Common long-term financial goals<\/span><\/strong><\/p>\n<p><span data-preserver-spaces=\"true\">Long-term goals take longer to achieve &#8211; think five years or longer. Some could even take decades. Patience is required to realise these but the pay-off is huge. Here are some of the most common long-term financial goals:<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">\u00a0<\/span><\/p>\n<ul>\n<li><span data-preserver-spaces=\"true\">Achieve financial independence<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Save enough to retire comfortably<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Take early retirement to pursue hobbies or spend time with grandchildren<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Be able to choose when and where to work<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Pay off a mortgage<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Maximise contributions to retirement accounts<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Fund a university education for your children<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span data-preserver-spaces=\"true\">Take some time to think about which of these goals you want to achieve, and whether you have other financial objectives not mentioned here.\u00a0<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">Then write them down.\u00a0<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.dominican.edu\/sites\/default\/files\/2020-02\/gailmatthews-harvard-goals-researchsummary.pdf\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">Research has proved<\/span><\/a><span data-preserver-spaces=\"true\">\u00a0that writing goals down increases your chances of achieving them.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><strong><span data-preserver-spaces=\"true\">Now make your financial goals SMART<\/span><\/strong><\/p>\n<p><span data-preserver-spaces=\"true\">The SMART model of goal setting is well known. It means making sure that your goals are:\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><strong>S<\/strong><span data-preserver-spaces=\"true\">pecific<\/span><\/p>\n<p><strong><span data-preserver-spaces=\"true\">M<\/span><\/strong><span data-preserver-spaces=\"true\">easurable<\/span><\/p>\n<p><strong><span data-preserver-spaces=\"true\">A<\/span><\/strong><span data-preserver-spaces=\"true\">chievable<\/span><\/p>\n<p><strong><span data-preserver-spaces=\"true\">R<\/span><\/strong><span data-preserver-spaces=\"true\">ealistic<\/span><\/p>\n<p><strong><span data-preserver-spaces=\"true\">T<\/span><\/strong><span data-preserver-spaces=\"true\">imely<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span data-preserver-spaces=\"true\">Using the SMART method of goal setting provides a structured framework for your financial plan and significantly increases the likelihood of achieving your objective of financial wellbeing.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span data-preserver-spaces=\"true\">Let\u2019s take an example of a specific goal and show how the SMART method works.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><strong><span data-preserver-spaces=\"true\">The goal: Save an emergency fund<\/span><\/strong><\/p>\n<ol>\n<li><span data-preserver-spaces=\"true\">Make it\u00a0<\/span><strong><span data-preserver-spaces=\"true\">specific<\/span><\/strong><span data-preserver-spaces=\"true\">: The goal \u2018save an emergency fund\u2019 is too vague. Set a target figure of exactly how much you want to save.\u00a0<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Make it\u00a0<\/span><strong><span data-preserver-spaces=\"true\">measurable<\/span><\/strong><span data-preserver-spaces=\"true\">: Set up a dedicated account for your emergency fund which will enable you to easily track your progress each month against your target amount. At any time you will be able to compare the current balance against your goal and know exactly how far you are from reaching your goal.\u00a0<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Make it\u00a0<\/span><strong><span data-preserver-spaces=\"true\">achievable<\/span><\/strong><span data-preserver-spaces=\"true\">: Your goal must be realistic. If it is over-ambitions, you will feel demotivated and may give up. Set a lower target or increase your timeframe to ensure that you stay motivated and make meaningful progress at all times.\u00a0\u00a0<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Make it\u00a0<\/span><strong><span data-preserver-spaces=\"true\">relevant<\/span><\/strong><span data-preserver-spaces=\"true\">: The size of your emergency fund should relate to your income and expenditure. We usually recommend an emergency fund of six months\u2019 worth of your regular fixed costs.\u00a0<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Make it\u00a0<\/span><strong><span data-preserver-spaces=\"true\">time-bound<\/span><\/strong><span data-preserver-spaces=\"true\">: Set a deadline within which you must save your target amount. This will keep you focussed, encourage you to prioritise saving and help prevent procrastination. An emergency fund is a short-term goal and you should be able to achieve it within 12-18 months.\u00a0<\/span><\/li>\n<\/ol>\n<p><span data-preserver-spaces=\"true\">\u00a0<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">Once you\u2019ve performed a SMART audit on your goal, it will look something like this:<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">Save an emergency fund of $20,000 by the end of 2024.\u00a0<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">Take each goal in turn and perform a SMART audit. It may take some time but at the end you will have a set of clear, actionable, and attainable financial goals that are closely aligned with your values and priorities. This will increase your motivation, help you focus, and maximise the likelihood of success.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><strong><span data-preserver-spaces=\"true\">Help with defining financial goals<\/span><\/strong><\/p>\n<p><span data-preserver-spaces=\"true\">We understand that this process can be overwhelming for many people. The good news is that you don\u2019t have to struggle alone.\u00a0<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">Part of a financial adviser\u2019s job is to help clients clarify their long-term financial goals and our advisers are brilliant at it! They have the experience and tools to help you define your goals AND they can advise on exactly how to achieve them with a bespoke financial plan tailored entirely to your unique circumstances.\u00a0<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">If you\u2019d like to discuss some SMART long-term financial goals with an experienced professional,\u00a0<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.infinitysolutions.com\/contact\/\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">get in touch<\/span><\/a><span data-preserver-spaces=\"true\">.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>Get on board with February\u2019s task in our financial wellbeing challenge: defining your financial goals.<\/p>\n<p><a href=\"https:\/\/www.infinitysolutions.com\/blog\/financial-wellbeing-challenge-five-reasons-why-its-important-to-define-your-financial-goals\/\">Check out<\/a> our suggestions for financial goals that make sense in the short, medium and long term.<\/p>\n<p>And learn how to make each goal SMART so that you stay motivated and make meaningful progress.<\/p>\n<p>&nbsp;<\/p>\n<p>If you need help, our experienced team of professional advisers are on hand to provide assistance with defining your financial goals. Get in touch!<\/p>\n<p>&nbsp;<\/p>\n<p>#financialwellbeingchallenge #expatriatefinancialplanning #infinityfinancialsolutions #financialgoals #SMARTgoals<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Defining goals is an important step along the way to achieving financial wellbeing. There are strong links between goal setting and success. But how exactly do you go about it? We offer some advice on how to set achievable financial goals to set yourself up for a secure future.\u00a0 &nbsp; The link between goals and&hellip;<\/p>\n","protected":false},"author":2,"featured_media":12046,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false},"categories":[153,6,69],"tags":[],"class_list":["post-12045","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-expatriate-financial-planning","category-financial-planning","category-153","category-6","category-69","description-off"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Financial wellbeing challenge: how to set SMART financial goals\u00a0<\/title>\n<meta name=\"description\" content=\"The second step in our financial wellbeing challenge is to define your financial goals. We offer some advice on how to make your goals SMART.\u00a0\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.infinitysolutions.com\/blog\/financial-wellbeing-challenge-how-to-set-smart-financial-goals\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Financial wellbeing challenge: how to set SMART financial goals\u00a0\" \/>\n<meta property=\"og:description\" content=\"The second step in our financial wellbeing challenge is to define your financial goals. We offer some advice on how to make your goals SMART.\u00a0\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.infinitysolutions.com\/blog\/financial-wellbeing-challenge-how-to-set-smart-financial-goals\/\" \/>\n<meta property=\"og:site_name\" content=\"Infinity Financial Solutions\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/infinityfinancialsolutions\" \/>\n<meta property=\"article:published_time\" content=\"2024-02-20T23:42:45+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-02-20T23:45:07+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.infinitysolutions.com\/wp-content\/uploads\/bigstock-124917983.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"1068\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Infinity Financial Solutions\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@investmentasia\" \/>\n<meta name=\"twitter:site\" content=\"@investmentasia\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Infinity Financial Solutions\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.infinitysolutions.com\/blog\/financial-wellbeing-challenge-how-to-set-smart-financial-goals\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.infinitysolutions.com\/blog\/financial-wellbeing-challenge-how-to-set-smart-financial-goals\/\"},\"author\":{\"name\":\"Infinity Financial Solutions\",\"@id\":\"https:\/\/www.infinitysolutions.com\/#\/schema\/person\/a2ccb82ec7b4b1e79d5d970a104927ac\"},\"headline\":\"Financial wellbeing challenge: how to set SMART financial goals\u00a0\",\"datePublished\":\"2024-02-20T23:42:45+00:00\",\"dateModified\":\"2024-02-20T23:45:07+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.infinitysolutions.com\/blog\/financial-wellbeing-challenge-how-to-set-smart-financial-goals\/\"},\"wordCount\":945,\"publisher\":{\"@id\":\"https:\/\/www.infinitysolutions.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.infinitysolutions.com\/blog\/financial-wellbeing-challenge-how-to-set-smart-financial-goals\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.infinitysolutions.com\/wp-content\/uploads\/bigstock-124917983.jpg\",\"articleSection\":[\"Blog\",\"Expatriate Financial Planning\",\"Financial Planning\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.infinitysolutions.com\/blog\/financial-wellbeing-challenge-how-to-set-smart-financial-goals\/\",\"url\":\"https:\/\/www.infinitysolutions.com\/blog\/financial-wellbeing-challenge-how-to-set-smart-financial-goals\/\",\"name\":\"Financial wellbeing challenge: how to set SMART financial goals\u00a0\",\"isPartOf\":{\"@id\":\"https:\/\/www.infinitysolutions.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.infinitysolutions.com\/blog\/financial-wellbeing-challenge-how-to-set-smart-financial-goals\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.infinitysolutions.com\/blog\/financial-wellbeing-challenge-how-to-set-smart-financial-goals\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.infinitysolutions.com\/wp-content\/uploads\/bigstock-124917983.jpg\",\"datePublished\":\"2024-02-20T23:42:45+00:00\",\"dateModified\":\"2024-02-20T23:45:07+00:00\",\"description\":\"The second step in our financial wellbeing challenge is to define your financial goals. 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