Answer These 5 Questions To Help Choose Your Next #Goal

Someone Writing Their Action Plan Down

Start Planning What You Want To Achieve

I hope January is treating you well. January can feel like a long month after the fun of Christmas and the New Year celebrations. Some of us even use this time for soul searching:

  • Where does my money go each month? (Personal Finance )
  • What job should I be doing? (Career)
  • How can I find my life’s purpose? (Wellbeing)
  • When will I meet someone I want to know better? (Relationships)
  • Who do I know that I can turn to for help? (Support)

It can feel overwhelming to start working out which area to focus on. It requires paper, pens and time, plus our full attention.

If we score the various areas in the brackets with marks out of 10 it is the 6s and the 5s we might want to focus on. The trick is to start listening to our inner voice and paying the proper attention to the goals that speak to us deeply.

Ready To Take Action And Change Your Life?

To start that ball rolling I’m offering a workshop on Saturday 27 January at The Mill, in the East End, to help streamline the process of identifying and working on our goals, so we are more likely to achieve success in our key areas.

If you are in London on 27 January and want to come along please follow the link below for information and tickets – it would be great to see you there!

Thanks for reading this post. Feel free to leave a Like or a comment about your goal planning strategy. Share this post too, if you think someone else would benefit from seeing it.

All the best


Wealth: Three Questions For Your Future

Christmas Costs (c) R Dennison December 2013

Christmas Costs (c) R Dennison December 2013

Add up the cost of the presents, the parties, and pushing the boat out and this is an expensive time of the year.

It is not surprising that one person in four is dipping into their savings to pay for the festivities (according to research from the Moneysupermarket website, cited by Rebecca Choules’ in the Daily Telegraph on 7 November).

Hopefully using long-term savings for short-term gain won’t become common place.  If growth in the economy is being led by consumer spending, dipping into the savings pot might disadvantage consumers’ long-term financial security.  It might also make the recovery unsustainable.

Pursuing a wealth goal helps to make the future more certain 

Savings play an important part in prudent financial planning.  Savings have regularly featured in my discussions with coaching clients.  They found that pursuing a wealth goal helped to make their future more certain.

Certainty could also be very important if working life keeps getting longer and the distance until State Pension Age (SPA) keeps getting longer.

The Telegraph’s Andrew Oxlade looked at this issue on 5 December, in a piece entitled “State pension age: The logic that suggests it will rise to 84”.  There’s a link to the piece at the end of this post.

The article quotes a number of experts who speculate about the impact of current demographic changes and the link to possible increases in the SPA by 2050.

3 wealth-related questions this Christmas

All of this speculation suggests we could ask ourselves 3 wealth-related questions this Christmas, to establish some milestones for our own wealth plans:

  • What savings goals will you pursue over the next five years to become more financially secure?
  • What level of financial security do you want to have achieved in the coming decade?
  • How much actions are you prepared to take to achieve further financial security in the next 20 years?

(What answers do you have to those questions?  Why not have that conversation with friends and family over the holiday season, then get some coaching to start making progress in 2014).

Money Matters


Carrots Beat Sticks Every Time (c) R Dennison August 2013

Carrots Beat Sticks Every Time (c) R Dennison August 2013

It is that time of the year when thoughts turn to personal finance.  It can seem tempting to beat oneself over the head about having an easy-come-easy-go attitude towards money.

I think a strategy that is more carrot than stick, helps.  Keeping track – on a simple spread sheet – of sources of income; where expenditure goes; and where economies might be made, helps.  Clarity could certainly supply answers to questions such as:

  • Will there be enough money in the bank after the family holiday to make the autumn and pre-Christmas period bearable?


  • How tempting does a pay-day loan look?


  • Is it time to start buying supermarket own brands instead of the costlier versions advertised on the television?


There’s definitely value in having a personal goal around the effective management of money.  There’s also something positive in having control over personal finance, instead of feeling it has a strangle hold over you.