by Gregory Thomas © 1998-2002 http://www.SavingSecrets.com
I'm sure you'll agree that budgeting, saving money, and eliminating debt are
very appealing ideas. If effectively tackled, these goals can secure your
financial status for the future, and allow you to live a comfortable, debt-free
However for some unfortunate reason, these important financial goals hardly ever
get accomplished, and most will continue to go through life consistently
worried about their financial security, unprepared for what the future may
I have been writing money saving articles and newsletters for
http://www.SavingSecrets.com for over 4 years now. After being in
contact with a number of readers over the years, I found that many who were
interested in learning how to effectively save money simply lacked the
foundation to accomplish this.
I am a firm believer that the ability to save and budget is dependant on the
plan and approach one takes. Sure many proclaim they want to conserve and save
more, but how many actually accomplish this? Saying one thing and actually
doing are completely different from one another. Why do you think so many New
Year's Resolutions are forgotten and never heard from again?
For example, think of the times you yourself started a new hobby or goal. Were
you successful? If not, how long did you stay with this new undertaking? What
was your reason for quitting or not following through with the intended plan?
From this short self reflection, you can probably guess the reality most
would-be budgeteers are faced with. Even though these individuals have the
desire to conquer their finances, for some reason the task never gets
What is needed to help guarantee success is inspiration and a solid approach, or
what I like to refer to as a "game plan".
Think about it.
If someone wants to learn how to play the piano, realistically, they are not
going to just sit down and start banging away on the keys. They'll never learn
to play the piano effectively that way!
In order to tackle the process of learning the piano, an eager student will take
lessons, purchase "How To Play Piano" books, tapes, cd-roms, interactive
software, browse the Internet for tips and related online forums, check local
college for classes and instructors, etc..
Who do you think will have more success learning to play the piano? More than
likely it will be the energetic individual with the planned agenda and goals,
than the dreamer without a "game plan".
Once you fully commit to accomplish a particular task, to help improve your
chances for success it is imperative that you design and follow a regiment, a
well thought out "game plan".
Every task, whether it's for work or pleasure, has some type of goal or
objective. If your underlying task is to clean the house, then a specific goal
may be to clean the kitchen or organize the cupboards by the end of the day. If
your task is to learn how to play the piano, then a goal may be to learn how to
play your favorite song within a month or two.
Take notice that the goals provided are very realistic and practical. You want
to establish goals that are attainable in a reasonable amount of time.
Before you start planning how YOU are going to tackle the task of budgeting and
saving money, take a moment to determine what goal(s) you want to
accomplish and a specific time frame for each particular goal. This will give
you something tangible to strive for and help keep you focused on task, thus
increasing your chances for success.
Here's an example of a practical task along with the respective goals:
TASK: Spring Clean The Whole House
Remember the piano playing example mentioned earlier? No matter how many books
or tapes you buy to help teach you how to play, unless you devote serious time
to practice, you will not improve and you will not accomplish your goal(s).
Your game plan MUST be put into ACTION! Don't let your wonderfully designed
agenda get lost under a heap of papers or collect dust on some obscure counter
Put your plan into action!
Just like the piano player, you will need to devote focused time specifically to
your task in hopes of accomplishing the predetermined goals. Keep in mind that
only after serious time and effort is devoted to your cause will any real
Hopefully this has inspired and motivated you to accomplish your tasks and goals
regardless of what they may be. If you need more assistance and guidance, or if
you would like access to 60+ money saving articles, newsletters and creative
ebooks you can download, stop by and explore our money saving resource at:
Best wishes accomplishing your tasks and goals to effectively save and eliminate
that pesky debt!
Written by Gregory Thomas, editor of http://www.SavingSecrets.com
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