Which goals do you wish to accomplish? What are the dreams you have? Take some time, and think about what dreams you have. Dreams for today, dreams for tomorrow, and dreams for the long term…

Well, you need to know that a lot of goals and dreams do not require having a lot of money at all. To give you an example, you may want to pay a visit to one of your friends who is living a couple of miles away. Well, just take a day off and go… Or maybe you’re dreaming about spending some extra time with your relatives or family.

Perhaps you could take them out for a great picnic in the forest instead of having dinner at home. This kind of goals and dreams won’t cost you a fortune, but they actually are really worthwhile.

Fulfilling some other dreams or accomplishing some other goals do require some money though. Maybe you’re dreaming about things like:

  • Buying or renting a house in a safer neighborhood that has some good schools
  • Having a reliable car
  • Setting up your own small business
  • Dealing with your debt: pay it off!
  • Getting a better education. Improve your skills, earn a GED, or go to college

Education is among the best ways to bridge poverty gaps. One of my favorite websites is www.BestGEDClasses.com, they help people to improve their life by providing free GED lessons, so people can get their High School diploma.

Now how will you succeed in making your dreams and goals come true? Well, a determination is key, but so is self-respect and self-belief and understanding that you are deserving the life that you’ve always dreamed about.

When you are believing in yourself, you will get on the right track toward fulfilling your dreams and reaching your goals. Make sure you keep focused on those goals and be sure to manage your expenses all the way. It’s all about allowing your dreams to play a role in your life, and later get all set to turn those dreams into reality.

Just close your eyes for a few moments… Allow your mind to wander and consider what it is that you would like to get out of life, and in case you are having a family, look at what it is that you wish
for them. Bear in mind…Dreaming Big is okay!

After a while, you may open your eyes and think about the following questions:

  • What exactly is the single one thing that you hope to achieve in the coming 3 months? This is the short-term goal.
  • What exactly is it that you would like to achieve in the coming year? That’s the medium-term goal.
  • What would you like achieve in the coming 5 years? Now that is the long-term goal.

Take a look at a few examples of short- mid- and long-term goals:

Short-Term Goals

  • pay your bills timely
  • buy decent school clothes for your kids
  • begin to save money to buy a house or a car

Medium-Term Goals

  • pay off your credit card or other debt
  • rent a decent house or buy a dependable car
  • begin to save money for example for an emergency fund

Long-Term Goals

  • Deal with all your credit card or other debt
  • Earn a diploma or get more training or education
  • buy a proper home
  • start your own business

If you want to achieve goals, make sure they are realistic, and a great way to do that is when you set SMART goals. This is meaning your goals are:

Specific, Measurable, Achievable, Result-oriented, and Trackable

Thinking about your dreams and goals, you may easily get a little vague, and in many ways, getting vague lets you off the hook easily. It may very well keep you from committing to your goals, so you will not achieve them.

To give you an example, you could say, ‘Hey, I need to get a new coat for next winter.’ Well, that may be a good goal, but it is definitely far too vague. You did not include a plan in what way you think to achieve buying your new coat.

I’ll show you how you can turn your plan into a SMART goal:

First, you need to make a realistic estimate of what your coat is going to cost, for example, $100. If you have seven months before you need your new coat, you must save around $14 each month (7 x $14 is almost $100). Then you can make a nice sentence about this information; say something like ‘If I save $14 each month for the coming 7 months, I can buy my new $100 winter coat.’

This is now a SMART goal, and you’d be wise to use this idea for the achievement of all your goals. It shows you which steps you must take in order to fulfill your dreams and reach your goals.

If you want more resources on this topic, you can check out your community library. They will have all sorts of great help to get you well-informed. The following are just a few examples on our part, which is not endorsed by any Community Action Partnership or NEFE


  • Goals! (How to Get Everything You Want, Faster Than You Ever Thought Possible), 2010, by Brian Tracy, Berrett-Koehler Publishers
  • Write It Down, Make It Happen (Knowing What You Want & Getting It), 2001, by Henriette Anne Klauser Ph.D., Fireside Books
  • Goal Setting (How to Create an Action Plan & Achieve Your Goals – Worksmart), 2008, by Michael Dobson & Susan Wilson, AMACOM
  • Wishcraft (How to Get What You Really Want), 2003, by Barbara Sher & Annie Gottlieb, Ballantine Books

Success story

Monica is a single mother and she worked bartending night shifts, but Monica also had some dreams and she was dreaming of a better life for herself and her two children. She understood that this implied that she had to escape poverty which only could happen if she would find a job that paid better.

Monica became involved with the Community Action Agency (CAA) program in the community and started to study to get her GED. Within just two months of studying, she earned her GED diploma, and her next step was making her dream come true and find a better paying job.

The CAA offered her a place in their Subsidized Work Experience Program, and Monica worked for eight weeks as a subsidized receptionist-secretary. The company she worked for, then decided to hire her on a full-time basis and subsequently gave her a promotion and a pay raise. At the moment, Monica is attending evening college and works hard to earn a bachelor’s degree in business administration. Through determination, hard work, focusing on her goals, and perseverance, Monica is on the right track to turn her dreams into reality.