No, I didn’t forget! Over 100 people joined me in my Make A Goal Experiment and shared their goals. Since they are cached somewhere in a Google database by now, your goals are now a permanent piece of internet history.
Now to make it happen… I’m going to share a little tip my mom taught me. Whenever you are too lazy to study, exercise, or do a chore, tell yourself to just do it for five minutes. If you want to stop after that, fine. But you’ll be amazed. Once you do it for 5 minutes, most of the time you’ll keep doing it. I often do this with jogging. Sometimes I just come home after a circle around the block. But 90% of the time I go much longer.
Most of the goals involved a certain sum of money, be it for a house, debt repayment, or retirement. Applying my 5-minute trick, my suggestion is spend those 5 minutes and set up a small automatic transfer towards this goal today. Open an online savings account. Washington Mutual, Citibank, Capital One 360, whatever – They are all earning around 5% interest right now, are FDIC-insured, and you only need $1 to open. Or depending on your goal, start an automatic transfer into your 401k or an automatic billpay to a credit card.
With most of these services you can set up automatic transfers weekly, biweekly, monthly, quarterly, whenever. No matter what your goal is or what your budget is, you can make some sort of commitment. If you can only do $10 a week, that’s still a start. After a while, that $10 will feel like nothing and you can increase it.
As for me, I am going to set up an automatic transfer of $125 to my savings account every week. This won’t make me reach my goal 100%, but it will get me moving and build some momentum.
By Jonathan Ping | Goals | 11/30/06, 12:44am