Comments on: 12 Steps to Setting a Financial Goal http://www.thewisdomjournal.com/Blog/12-steps-to-setting-a-financial-goal/ Wise Choices. Improved Finances. A Better Life. Sun, 07 Sep 2008 13:48:13 +0000 http://wordpress.org/?v=2.6 By: Vi http://www.thewisdomjournal.com/Blog/12-steps-to-setting-a-financial-goal/#comment-2698 Vi Fri, 18 Jul 2008 17:14:24 +0000 http://www.thewisdomjournal.com/Blog/12-steps-to-setting-a-financial-goal/#comment-2698 Hi, I think this is excellent and right on the money! Thanks for the great wording, short - to the point and the short one sentence examples. Helps immensely. I never used to be so "off goal", or unorganized till an accident 4 years ago. I read a lot to help with what has been lost to the accident and this is one great and very useful read that I will put to use to help organise me with my goals I have in mind, but do not seem to get as far as I would like with. With appreciation, Vi :grin: Hi,

I think this is excellent and right on the money! Thanks for the great wording, short - to the point and the short one sentence examples. Helps immensely. I never used to be so “off goal”, or unorganized till an accident 4 years ago. I read a lot to help with what has been lost to the accident and this is one great and very useful read that I will put to use to help organise me with my goals I have in mind, but do not seem to get as far as I would like with.

With appreciation, Vi :grin:

]]> By: Your children's REAL inheritance | The Wisdom Journal http://www.thewisdomjournal.com/Blog/12-steps-to-setting-a-financial-goal/#comment-2613 Your children's REAL inheritance | The Wisdom Journal Mon, 14 Jul 2008 13:20:26 +0000 http://www.thewisdomjournal.com/Blog/12-steps-to-setting-a-financial-goal/#comment-2613 [...] Do you have financial goals for the next year, the next five years, and beyond? I do have financial goals, but I think mine are too vague and I haven’t done a very good job communicating them with my [...] [...] Do you have financial goals for the next year, the next five years, and beyond? I do have financial goals, but I think mine are too vague and I haven’t done a very good job communicating them with my [...]

]]> By: Things I Learned Living on a Budget - Part 1 | My Super-Charged Life http://www.thewisdomjournal.com/Blog/12-steps-to-setting-a-financial-goal/#comment-781 Things I Learned Living on a Budget - Part 1 | My Super-Charged Life Wed, 05 Mar 2008 13:17:36 +0000 http://www.thewisdomjournal.com/Blog/12-steps-to-setting-a-financial-goal/#comment-781 [...] Review - The Total Money Makeover 12 Steps to Setting a Financial Goal How Do You Handle Unexpected Expenses Why You Should Spend Less Than You Earn Retirement Nestegg - [...] [...] Review - The Total Money Makeover 12 Steps to Setting a Financial Goal How Do You Handle Unexpected Expenses Why You Should Spend Less Than You Earn Retirement Nestegg - [...]

]]> By: Lee Matthews -- Financial Concepts West http://www.thewisdomjournal.com/Blog/12-steps-to-setting-a-financial-goal/#comment-544 Lee Matthews -- Financial Concepts West Sat, 23 Feb 2008 10:29:48 +0000 http://www.thewisdomjournal.com/Blog/12-steps-to-setting-a-financial-goal/#comment-544 "I visualize paying off debts and attacking the mortgage. I cannot wait to never have a mortgage again!" You don't have to just visualize it -- take action; home mortgage acceleration is the key: More and more folks are using a Home Equity Line of Credit (HELOC) or a business-line-of-credit (BLOC) or personal-line-of-credit (PLOC) as an interest cancellation account to accelerate their home equity and payoff their home *years* sooner than listed on their mortgage amortization schedule. Unfortunately, today’s Real Estate market means that folks can no longer count on appreciation to build home equity. Those who realize that they need to pay down their current mortgage debt are looking for alternate ways to aggressively (yet safely) build equity. And they've discovered a perfect online system to do that; they can focus on their wealth accumulation goals while accelerating their equity simply by using an Advanced Line of Credit (ALOC) to ‘power’ the Money Merge Account™ financial solutions program. A typical 30 year loan (of whatever type) can be paid down in 1/3 to 1/2 the time — it's a great way to save *huge* amounts of income by eliminating a mortgage amortization front-end interest load. (On a million-plus dollar home, I've personally seen where the Money Merge Account™ program will save the homeowner $750,000 in interest charges!) And the best thing – homeowners don’t have to refinance their existing mortgage or, in most cases, make any adjustments to their lifestyle. It is unfortunate that most of us were never taught to follow three essential principles: (1) Avoid paying interest, whenever possible, (2) Use other people’s money, whenever possible and (3) Find and use a financial system that will guide you, especially if you have the tendency to go off-track. The Money Merge Account™ software and the program’s counselors use these principles to keep each homeowner focused on their wealth accumulation goals. I’d be happy to provide further details… “I visualize paying off debts and attacking the mortgage. I cannot wait to never have a mortgage again!”

You don’t have to just visualize it — take action; home mortgage acceleration is the key:

More and more folks are using a Home Equity Line of Credit (HELOC) or a business-line-of-credit (BLOC) or personal-line-of-credit (PLOC) as an interest cancellation account to accelerate their home equity and payoff their home *years* sooner than listed on their mortgage amortization schedule.

Unfortunately, today’s Real Estate market means that folks can no longer count on appreciation to build home equity. Those who realize that they need to pay down their current mortgage debt are looking for alternate ways to aggressively (yet safely) build equity.

And they’ve discovered a perfect online system to do that; they can focus on their wealth accumulation goals while accelerating their equity simply by using an Advanced Line of Credit (ALOC) to ‘power’ the Money Merge Account™ financial solutions program.

A typical 30 year loan (of whatever type) can be paid down in 1/3 to 1/2 the time — it’s a great way to save *huge* amounts of income by eliminating a mortgage amortization front-end interest load. (On a million-plus dollar home, I’ve personally seen where the Money Merge Account™ program will save the homeowner $750,000 in interest charges!)

And the best thing – homeowners don’t have to refinance their existing mortgage or, in most cases, make any adjustments to their lifestyle.

It is unfortunate that most of us were never taught to follow three essential principles: (1) Avoid paying interest, whenever possible, (2) Use other people’s money, whenever possible and (3) Find and use a financial system that will guide you, especially if you have the tendency to go off-track. The Money Merge Account™ software and the program’s counselors use these principles to keep each homeowner focused on their wealth accumulation goals.

I’d be happy to provide further details…

]]> By: Ron http://www.thewisdomjournal.com/Blog/12-steps-to-setting-a-financial-goal/#comment-86 Ron Sat, 26 Jan 2008 17:56:40 +0000 http://www.thewisdomjournal.com/Blog/12-steps-to-setting-a-financial-goal/#comment-86 @Lunnae Welcome! Glad you're here. (love your site btw) :) @Lunnae
Welcome! Glad you’re here. (love your site btw) :)

]]> By: Lynnae @ Being Frugal.net http://www.thewisdomjournal.com/Blog/12-steps-to-setting-a-financial-goal/#comment-81 Lynnae @ Being Frugal.net Sat, 26 Jan 2008 01:27:18 +0000 http://www.thewisdomjournal.com/Blog/12-steps-to-setting-a-financial-goal/#comment-81 I just landed here via Stumbleupon. Great article! I especially agree with making a plan. Without a plan, I know I just wander aimlessly, never achieving what I set out to do! I'll be back! :) I just landed here via Stumbleupon. Great article! I especially agree with making a plan. Without a plan, I know I just wander aimlessly, never achieving what I set out to do!

I’ll be back! :)

]]> By: Ron http://www.thewisdomjournal.com/Blog/12-steps-to-setting-a-financial-goal/#comment-80 Ron Fri, 25 Jan 2008 17:03:37 +0000 http://www.thewisdomjournal.com/Blog/12-steps-to-setting-a-financial-goal/#comment-80 @Jeff Thanks for your kind words and encouragement. Persistence is difficult to learn when things aren't going well. But keeping on keeping on will almost always pay off in the long run. @Jeff
Thanks for your kind words and encouragement. Persistence is difficult to learn when things aren’t going well. But keeping on keeping on will almost always pay off in the long run.

]]> By: Ron http://www.thewisdomjournal.com/Blog/12-steps-to-setting-a-financial-goal/#comment-75 Ron Fri, 25 Jan 2008 12:30:04 +0000 http://www.thewisdomjournal.com/Blog/12-steps-to-setting-a-financial-goal/#comment-75 Good Morning Glbl, You're welcome. I appreciate your comments and feedback. I also loved your post on <a href="http://www.gatherlittlebylittle.com/2008/01/24/keeping-it-real-confessions-of-a-personal-finance-blogger/" rel="nofollow">Keeping It Real: Confessions of a Personal Finance Blogger.</a> That took a lot of guts and I applaud you for it. Good Morning Glbl,

You’re welcome. I appreciate your comments and feedback. I also loved your post on Keeping It Real: Confessions of a Personal Finance Blogger.
That took a lot of guts and I applaud you for it.

]]> By: Glblguy http://www.thewisdomjournal.com/Blog/12-steps-to-setting-a-financial-goal/#comment-74 Glblguy Fri, 25 Jan 2008 10:56:20 +0000 http://www.thewisdomjournal.com/Blog/12-steps-to-setting-a-financial-goal/#comment-74 Great article on setting goals, particularly the last point: take action everyday. I think that is very important and allows you to take little steps rather than sometimes large difficult steps. Thanks for including my article as well. Truly an honor to be included amoungst such reputable blogs! Great article on setting goals, particularly the last point: take action everyday. I think that is very important and allows you to take little steps rather than sometimes large difficult steps.

Thanks for including my article as well. Truly an honor to be included amoungst such reputable blogs!

]]> By: Ron http://www.thewisdomjournal.com/Blog/12-steps-to-setting-a-financial-goal/#comment-73 Ron Fri, 25 Jan 2008 04:05:17 +0000 http://www.thewisdomjournal.com/Blog/12-steps-to-setting-a-financial-goal/#comment-73 Some people live their lives by the Law of Accident. They think everything that happens to them is by accident and not the result of their own poor choices or failure to follow a plan. Others live their lives according to the Law of Cause and Effect. They think that everything that happens in their life (the effects) are the result of causes. If you can change the causes, you can change the effects. Causes are habits, thoughts, and attitude choices. Our attitudes are based on the expected outcome of an event. If you expect positive things, you have a positive attitude. If you expect negatives, you'll have a negative attitude. It's just human nature. If you go on a sales appointment mistakenly thinking that you have a dread disease, what are the chances that you'll close the sale? Conversely, if you go into that same sales meeting mistakenly thinking that your spouse just go a huge promotion and salary increase, how likely do you think you'd be to make that sale? The truth didn't matter, all that mattered in both cases was your attitude. THAT determines how you approach just about everything in life. Some people live their lives by the Law of Accident. They think everything that happens to them is by accident and not the result of their own poor choices or failure to follow a plan.

Others live their lives according to the Law of Cause and Effect. They think that everything that happens in their life (the effects) are the result of causes. If you can change the causes, you can change the effects. Causes are habits, thoughts, and attitude choices.

Our attitudes are based on the expected outcome of an event. If you expect positive things, you have a positive attitude. If you expect negatives, you’ll have a negative attitude. It’s just human nature.

If you go on a sales appointment mistakenly thinking that you have a dread disease, what are the chances that you’ll close the sale? Conversely, if you go into that same sales meeting mistakenly thinking that your spouse just go a huge promotion and salary increase, how likely do you think you’d be to make that sale? The truth didn’t matter, all that mattered in both cases was your attitude. THAT determines how you approach just about everything in life.

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