Working Towards Your Goals, One Step at a Time

After establishing your goal and identifying your motivation, it’s normal to feel distracted or overwhelmed, especially when working towards a long-term objective. Breaking your goals into smaller, manageable steps can help you stay focused and motivated.

1. Break Your Goal Into Smaller Steps: Start by dividing each goal into smaller, digestible steps. Creating a timeline for when you’d like to accomplish each step can also be incredibly helpful.
   
2. Create a list: For each step, create a to-do list of what you need to accomplish your goals. Having a to-do list of your tasks may increase your likelihood of completing them and help you monitor your progress.
   
3. Identify What Resources You’ll Need: When creating your list, think about the resources you may need. For instance, when buying a home, consulting with a real estate agent or mortgage broker can provide valuable insights. If you’re working on your health, consider seeking guidance from health professionals or nutritionists. Identify any tools or materials that could assist you, like a reusable water bottle for hydration or a meal prep container.
   
4. Anticipate Barriers: Obstacles along the road, especially when working towards long-term goals, may occur. Instead of letting these challenges catch you off guard, anticipate potential barriers. For instance, if your goal is to walk daily, think about how you’ll maintain this habit during rainy seasons.  If you’re saving for a house and encounter issues with getting approved for a loan, consider how you might adapt your approach. While you can’t predict every scenario, preparing for common challenges can keep you on track.‍
5. Create Reminders: Consider mapping out your goals on a wall calendar, placing sticky notes in your home, or mapping out reminders on your electronic device as reminders of the goals you are working towards.
6. ‍Regularly Review Your Progress: Consider setting aside time to reflect on your progress toward your goals. During this review, identify any roadblocks you've encountered and brainstorm solutions before moving forward. Celebrate your successes along the way, no matter how small they may seem. If you find that you haven’t met your goals, remember that it’s okay. Instead of criticizing yourself, regroup, reassess your approach, and restart. This journey is about growth, and setbacks are a natural part of the process.
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Example Goals and Steps

• Example Goal #1: Buy a Home
  • Step One: Identify Your Personal Goals
    • What’s important to you in a home? Consider aspects like location, amenities, and whether you’re looking to buy immediately or as a longer-term goal. Are you considering a house, a condo, or another option? Will this be an individual endeavor or a joint decision? Knowing your priorities will guide your journey.
  • Step Two: Assess Your Current Finances
    • Reflect on your current expenses and income. Is there money you can set aside each month towards a home purchase? How is your credit score? Do you currently have loans? What amount would you be comfortable placing as a down payment? What monthly mortgage payment would feel manageable?
  • Step Three: Identify Areas to Adjust
    • Let’s say that improving your credit score is an area of growth. A strong credit score can significantly affect your mortgage options, so you decide to focus on reducing outstanding balances on your credit cards. In this case, you may want to identify the cards with higher interest rates and pay those off first. Or if you want to establish a savings plan, you may want to create a plan to save a percentage of your paycheck each month. Aim for a specific savings target, such as saving $5,000 in your first year. 
  • Step Four: Seek Professional Help
    • Consider meeting with a mortgage broker who can help you understand your financial situation and determine how much you need to save for a down payment and closing costs. A real estate agent can assist you in finding a property and outlining what you will need in order to buy a home. Comparing services can be beneficial.
  • Step Five: Go House Searching
    • Now that you have prepared yourself financially and professionally, you can start exploring homes that meet your criteria.‍
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• Example Goal #2: Improve My Health
  • Step One: Identify Your Health Goals
    • Start by reflecting on the areas of your health that you want to focus on. Consider your boundaries, worries, and expectations. This step is crucial for understanding what changes you want to make and what’s most important to you.‍
  • Step Two: Understand Your Health Coverage Options
    • For many, financial concerns can be a barrier to seeking health care. Before your appointment, consider reviewing your health insurance options. If you have health insurance, and are unsure of what is covered, it can be helpful to contact a representative to walk you through your coverage and explain how they can support you through the process. If you don’t have health coverage, you may want to explore financial support options from health providers or look into programs like Medi-Cal or Covered California.‍
  • Step Three: Schedule a Wellness Check
    • Once you have clarity on your health goals, you may want to schedule a thorough examination with your doctor. This examination can provide insights into your overall health. If you feel your concerns are not being addressed, consider seeking out other providers who will take your needs seriously.‍
  • Step Four: Establish Your Goals and a Routine
    • Create a health routine that incorporates your goals. This might include regular exercise, meal planning, or mindfulness practices. Ask yourself if your routine feels manageable and enjoyable to promote long-term adherence.‍
  • Step Five: Reflect on Your Progress
    • Periodically assess how the changes you’ve made are impacting your health. Ask yourself whether the adjustments feel right for you and if they align with your goals. This reflection can help you make necessary adjustments and celebrate your successes, no matter how small.

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Want Extra Reminders?
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To help you reach your goals, consider signing up for a MyMoneyPath account and creating a SMART Goal. United Ways of California will send you quarterly emails with tips and resources to support you in reaching your goals. 
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Disclaimer

The information provided in this article is for informational purposes only and does not constitute financial or medical advice. You should consult with a qualified professional before making any decisions regarding your finances, health, or any other personal matters. United Ways of California is not liable for any actions taken based on the information provided in this article. Your individual circumstances may vary, and it is important to seek guidance tailored to your specific situation.

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