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Financial Dreams & Goals

08/23/2018 10:36 AM | Anonymous member (Administrator)

Dreams & Goals

 By Tammy Claramunt

While standing in line at a vacation resort recently, I began chatting with the woman in line next to me.  We were out at the pool, waiting for the bartender to whip up a cocktail and she was friendly, nice and oh so fashionable.  She was wearing a spectacular pair of Chanel sunglasses-round, gold and extremely sparkly!!  She told me how she vacations here frequently, a place that was a-once in a lifetime-kind of place for me.


Cocktail in hand, I strolled back to my chaise, stared out at the beautiful scenery around me, google-searched her $500 pair of sunglasses then quickly wondered the possibilities.  "I don't want to be her", I announced to myself, "I just want to be here".


This dream or goal or desire is not unlike any other.  I pulled a pen from my bag, using the napkin from my cocktail, I quickly began working on a plan. A financial plan.


In the past when I've read other financial articles, it's easy for me to see how people get overwhelmed by the information or lost in the details.  A long-term financial goal doesn't have to be overwhelming though.  Think of it this way:  when you are trying to accomplish a career goal do you consult a career coach?  When you are facing a weight loss obstacle, might you consult a health coach?  A financial goal needs the help of a financial coach.  It all begins with the end in mind, yet action and accountability are critical components.  For example:

  • 1.       Identify your desire or need?  What is the end goal you are striving for?  A vacation? An early retirement? A larger home? A better car?

2. Evaluate where you are now.  What does my spending look like?  What can I trim?  What can I do to earn more? What can I do to save more?  Invest differently?

3. Develop a plan to achieve your goal.  How much, how long, etc.

4. Track. Stop, measure, re-evaluate but most importantly, have an accountability partner who will track & measure your progress with you.

Unfortunately, I have other financial goals that have a larger priority than the vacation spot; however, I'm making it a part of my plan.  I WILL return there some day! In the meantime, I'll be more aware of my financial habits so that I can stay on track.

Tammy Claramunt pursued her life’s dreams by becoming a Financial Advisor with Edward Jones. She spends her days in pursuit of others committed to their dreams as well! 

Women in LeadershipGreat Lakes Bay Region

PO Box 6717
Saginaw, MI 48608


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