With 2013 on the horizon, take a moment to answer one simple question “What do you want to do this year?” Do you want to swim with dolphins, visit the pyramids or start your own business? Why not make 2013 the year to achieve that dream?
Whatever doubts you might have the only real problem standing between you and whatever you want to do is money, while it can’t buy you happiness it can buy most of the things you need to achieve happiness.
But there are ways to deal with that too; read on for five tips to help you live the dream.
#1: Sell, Sell, Sell!
Why not monetise your junk and use it to fund your dream?
If you have an attic full of clutter and an internet connection, you’ve got all the ingredients you need to reach your savings goal. The phrase “one man’s trash is another man’s treasure” has never been so true, as those skis you haven’t used in 5 years could still fetch a great price online.
If you would rather sell face to face, then why not hold a garden sale? You could even pack up some of your more valuable items and take them to a local car-boot sale.
#2 Consider Short Term Finance
While it’s frequently vilified, short term finance can be a great resource for helping you reach your goal fast.
If you’re starting a business, a short term loan could help you weather any early financial problems, while you could also use this loan to purchase a plane ticket to your dream destination or even to put together a down payment on your perfect home.
Just remember to make the repayments on time and short term finance could be an attractive solution.
#3 Always Have A Back-Up
The most expensive problems in your life tend to be the ones you’re not prepared for; a car breaking down, or an unfortunate illness. Keeping a small amount of cash on hand is vital to save effectively.
Keeping a small nest egg on hand is an excellent solution to most of your financial emergencies. While this should cover you in case of problems, this has the additional benefit of saving you from a cheaper, short term solution that could later end up causing you further expense in the long run.
#4 Commit To Your Goal
No one is responsible for your saving success but you; with your commitment you can make your dream goal a reality.
The most important factor in your success is how strong your commitment to the goal is, do you want your goal enough to skip your morning coffee? Is it worth cycling to work and saving petrol money? Have a clear figure in your head of how much you need to save, and don’t be afraid to sacrifice the small stuff to get there.
These tips should help you get a leg-up on achieving your dream, but the most important thing to remember is that you’ll need to take the initiative; it’s unlikely that someone is just going to come along and fund your hopes and dreams for you, so get out there and make it happen yourself.
Achieving your dreams is never supposed to be easy but with determination, commitment and initiative there’s no reason you can’t realise your goal before 2014.
- License: Creative Commons image source
About Author | Geoffery is a personal finance writer specialisied in the loan industry. During his time as a writer he writes for sites like Wonga.com, a short term loans company in the UK.