Take a few minutes and close your eyes. Let your mind wander and think about what you want out of life. If you have a family, think about what you want for them. Remember—you can dream big!

When you open your eyes, answer these three questions:

• What is one thing you want or hope to achieve within the next three months? That's a short-term goal.
• What do you want or hope to achieve within the next year? This is a medium-term goal.
• What do you want or hope to achieve within the next five years? This is a long-term goal.

Here are some examples of goals.

Short-Term Goals
pay bills on time
buy school clothes for the kids
start saving money to buy a car

Medium-Term Goals
pay off some credit card debt
buy a reliable car
start saving money for an emergency fund

Long-Term Goals
pay off all credit card debt
get additional education or training
buy a home
start a business

The What Are My Goals? worksheet provides space to write down your goals. Keep this list handy. You'll want to look at it often to keep your dreams—and your goals—alive.