How to correctly create personal financial goals. Long-term and short-term goals of the enterprise How to write goals for weight loss

DEVELOPMENT OF GOALS. The first stage - developing goals - repeats the scheme of our discussion of the planning process. After senior management has developed long-term and short-term goals for the organization and for themselves personally, these goals are formulated for employees at the next level in descending order along the chain of command. The previously mentioned authors, Drucker and McGregor, strongly believed that subordinate managers should accept Active participation in developing their own goals, basing them on the goals of their superiors. It could be

According to established opinion, there are two types of goals in terms of the period of time required to achieve them. These are long term and short term goals. In principle, the basis for dividing objectives into these two types is the time period associated with the length of the production cycle. Goals that are expected to be achieved by the end of the production cycle are long-term goals. It follows that different industries should have different time frames for short-term and long-term goals. However, in practice, goals that are achieved within one year are usually considered short-term goals, and accordingly long-term goals are achieved in two to three years.

The division into long-term and short-term goals is of fundamental importance, since these goals differ significantly in content. Short-term goals are characterized by much greater specificity and detail in such matters as who should do what and when than long-term goals. If the need arises, between long-term and short-term goals, intermediate goals are also set, which are called medium-term.

Solving the assigned tasks is impossible without organizing a strategic level of management. Joint-stock enterprises must now perform the key management function themselves, formulate long-term and short-term goals for themselves and determine their strategy. Today, the application of strategic management methods has become a vital condition for joint-stock companies for their existence and development.

Finding the optimal balance between long-term and short-term development goals of the enterprise and decisions made in long-term and short-term financial management.

Based on the time period of action, long-term (more than a year) and short-term (less than one year) goals are distinguished. Long-term goals show managers what action can be taken now to achieve an intended long-term outcome and encourage them to evaluate the impact of today's decisions on the long-term outcome. The advantage of short-term goals is the detailing of immediate immediate results that need to be achieved, determining the speed of the organization's movement along the previously designated path, and specifying the path to achieving the final designated result (i.e., long-term goals). Sometimes intermediate medium-term goals are set between long-term and short-term goals.

Every employee in the organization must have a clear understanding of what is expected of them. Each member of the organization - an ordinary employee, a supervisor, a manager, and an administrator - must clearly understand what his work is aimed at and how it relates to the long-term and short-term goals of the organization. The goals set, the procedure for performing work, work assignments and job descriptions must be formally developed, recorded on paper and agreed upon between those who issue these tasks and those who receive them. People need to know what is expected of them. This is the paradigm of an open-closed organization, and you will inevitably have to resort to all sorts of tricks to smooth out the contradictions that arise. If there is no clear connection between the stated goals and the assigned tasks, this indicates the limitations of the model and may prevent the manifestation creativity and efficient performance of work. If you fail to present these tasks accurately and comprehensively, then their purpose - to help solve the organization's problems - will remain unfulfilled. Opportunities for improving work processes through public outreach should be continually and comprehensively assessed (see point 23 below and chapter 18). Any goals and forecasts must be assessed taking into account the level of competence of both the employee issuing the assignment and the performer accepting it. Then decisions can be made regarding the level of detail of the declared goals and the intensity of the planned processes.

It is advisable to distinguish long-term and short-term goals and corresponding criteria for the economic development of the region. Long-term goals usually include the formation and development of a post-industrial society, the creation of highly qualified jobs for future generations, and improving the standard of living of the population, including the level of health care, education and culture. Short-term goals include overcoming the crisis and achieving specific milestones.

Formulate long-term and short-term goals for the plant.

The mission (the main idea) and the entrepreneurial philosophy are necessary to establish the strategic goals of the corporation, as well as to gain the trust of consumers and other contact groups, to avoid conflicts of interest. Mission is a vision of what a joint stock company should be in the future, a system of goals (long-term and short-term goals), desired results that correspond to the understanding of the goal. It is clear that the global prerequisite for the successful development of a management strategy at any level is the correct definition of goals. Setting goals

Chapter 9 deals with planning production and sales of products. She talks about the importance of planning, the differences between strategic and operational planning, vision and mission as the starting point of planning strategy, and setting long-term and short-term goals.

A joint-stock energy company, as a commercial organization, with all the variety of its goals, naturally strives to make a profit and maximize it. It can do this by increasing energy tariffs (if it has such opportunities due to competition or government regulation) or by increasing the efficiency of its work. Without making a profit, it is impossible to attract investors and develop production. However, such a criterion can seriously threaten the competitiveness of an energy company in the future if innovative projects, designed for a long-term effect, have to be abandoned. This circumstance - the objective contradiction between long-term and short-term goals - is always relevant, especially for the Russian economy in conditions of the urgent need to modernize the production apparatus.

The relationship between long-term and short-term goals. An organization needs both long-term and short-term goals. Long-term goals accomplish two things. First, setting goals for five or more years forces managers to take action now in order to achieve long-term goals later (a company that plans to double its sales within five years cannot expect to achieve its five-year goal in the third or fourth year). strategic plan, sales and consumer base will begin to grow). Second, having clear long-term goals requires managers to evaluate the impact of their current decisions on long-term performance. Without constant pressure to move forward to achieve long-term goals, human nature will always make decisions based on what makes the most sense at the time, and put worries about the future on hold. The problem with shortsighted decisions is that they seriously threaten a company's long-term position.

Conventional wisdom holds that there are two types of goals, depending on the length of time required to achieve them. These are long term and short term goals. In principle, the basis of the division

Many companies place excessive emphasis on short-term financial performance, which negatively impacts their international competitiveness and causes dissatisfaction among employees, consumers and other stakeholder groups. Successful business companies understand that their survival depends on the optimal combination of long-term and short-term goals, balancing the interests of shareholders, employees and other interested groups. Ultimately, a firm's competitiveness depends on its ability to satisfy customer needs better than its competitors. Victory over rivals is determined by management's ability to create and maintain a general winning mindset in the company, persistence in implementing strategy, as well as the development of core competencies or the skills and abilities to create products that are superior to those of competitors. The company's senior management encourages employees to do their best to achieve a common goal, and is also responsible for developing strategy, developing organizational structures and systems that support these capabilities.

Long-term and short-term goals

The division of goals into short-term and long-term is of fundamental importance, since these goals differ significantly in content; for short-term goals, short-term goals set intermediate goals - medium-term ones.

Classification according to the time for which goals are set usually includes long-term and short-term goals. This division of goals is of fundamental importance, since these goals differ significantly in content. Short-term goals must have specific content and clearly defined time and quantitative boundaries. Short-term goals are characterized by greater specificity and detail than long-term goals. Sometimes intermediate goals are set between long-term and short-term goals; they are called medium-term.

Achieving long-term and short-term goals, the need to increase competitiveness and carry out organizational changes require reliance on well-planned and well-organized work on training and professional development of personnel. At the same time, the matter should not be limited to transferring certain knowledge to employees and developing the necessary skills. During the training, employees can be provided with information about the current state of affairs and the prospects for the development of the enterprise.

QMS as a springboard for the implementation of long-term and short-term goals of public relations structures. QMS as a means of realizing the rights and obligations of organizations engaged in public relations to society. Possibilities of QMS for creating a favorable image of the organization as a sphere of labor resources.

After analyzing the external and internal environment, the mission and goals of the enterprise are developed. Mission is a business concept that briefly outlines the main purpose of the enterprise for a fairly long period of its existence. It should be simply and clearly formulated so that it is understandable to both its employees and consumers. The mission can be changed in accordance with market requirements, since it primarily involves meeting the needs of consumers. After

Motivation, planning, goal setting - these words have firmly entered the lexicon modern man oriented to success. It has long been no secret that planning the future helps you live the present, gives life shape and meaning, trains your will, and allows you to live the way you want, and not someone else. To effectively plan your life, life coaches recommend setting not just one goal, but several specific goals, and the more, the better. It is very useful to have a long list of goals, grouped by deadlines, priorities and aspects of life.

The common idea of 50 vital goals for a person is a win-win for the following reasons: firstly, 50 goals are enough to cover a long period of time. Secondly, fifty is not that big number, therefore, goals become accessible, real, and do not subjugate the whole life. A list of, say, 300 goals would be more difficult to implement psychologically: such a number of goals would one day simply hang over the psyche as an unfulfilled burden. Fifty is quite possible to achieve, and even allocate a year of active life for each goal.

Here is an example of a list of goals divided into life areas.

Health

Treat all teeth
Quit smoking
Buy a gym membership
Get rid of fear of heights
Get up at 6am every day

Friends and surroundings

Go out once a week
Make a personal birthday calendar for friends and their children
Meet people who share your hobby
Send all long-scheduled emails
Arrange a meeting of classmates

Family and relationships

Go on a romantic vacation with your wife/husband without children
Call grandma
Make a family photo session with children as a souvenir
Get a dog
Gather several generations of the family for a family holiday

Career and business

Get a raise
Find a source of additional income
Increase the number of customers by 50 percent.
Delegate some powers to employees
Take a refresher course in your field

Finance and well-being

Double your annual income
Pay off debts
Reduce spending on unnecessary things
Reach a net income level of 5 million rubles per year
Create an additional passive source of income

Personal growth

Learn French
Quit smoking
Get a car license
Master new directions in your work
Study new sales literature

Creation

Take a calligraphy course
Take up dancing
Get back into shape on the violin
To write a book
Learn new exotic recipes

Spirituality

Be honest with yourself
Read Plato's dialogues
Get acquainted with the postulates and differences of world religions
Understand your purpose
Go on a pilgrimage

Impression

Visit Machu Picchu
Go to the Rembrandt exhibition
Visit friends abroad
Swim in the Volga
Ride an elephant

Deep

Forgive the offenders
Learn to live in the “mode of being”
To mature
Stop fooling yourself
Be happy

Be happy,

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A person’s determination of life goals is one of the main conditions for achieving success. Moreover, it is important not only to set goals, but also to often think that you are able to achieve them and that you will achieve them.

You should not think about obstacles on the way to your goal and imagine ominous darkness. Focus on the fact that achieving each goal can dramatically improve your life. The more you think about how your goals will change your life for the better, the stronger your desire to realize them will be. A natural desire for specific actions will awaken in you.

If a goal inspires you, then you will in any case begin to act towards achieving it. It doesn’t matter how much time you have to implement it, because you like the path itself and the fact that you feel more and more satisfied with yourself. This state encourages you to act actively, so your level of productivity will only increase.

If you are having difficulty choosing your life goals, you can use examples of other people's goals from the list of 100 human life goals.

Read also the article by Gestalt therapist Sergei Smirnov: " " (editor's note)

100 life goals

Personal goals:

Find your life's work;
Become a recognized expert in your field;
Stop drinking and smoking;
Make many friends and acquaintances around the world;
Learn to speak 3 languages fluently, except your native one;
Become a vegetarian;
Find 1000 followers of your business/blog;
Wake up every day at 5 am;
Read a book a week;
Travel all around the world.

Family Goals:

Start a family;
Make your spouse happy;
Give birth to children;
Raise children to be worthy members of society;
Provide education to children;
Play a children's wedding;
Celebrate your own silver wedding;
Babysit grandchildren;
Celebrate the golden wedding;
Gathering for the holidays with the whole family.

Financial goals:

Live without debts and loans;
Organize passive sources of income;
Receive a monthly aggregate stable high income;
Every year increase savings by 1.5-2 times;
Own property on the seashore;
Build a dream house;
Cottage in the forest;
Every family member has a car;
Leave a substantial inheritance to your children;
Regularly help those in need.

Sports goals:

Get in shape;
Run a marathon;
Do the splits;
Go diving;
Learn to surf;
Jump with a parachute;
Learn martial art;
Learn horse riding;
Learn to play golf;
Do yoga.

Spiritual Goals:

Learn the art of meditation;
Read 100 best books world literature;
Read 100 books on personal development;
Regularly engage in charity work and volunteering;
Achieve spiritual harmony and wisdom;
Strengthen your will;
Learn to enjoy every day;
Experience and express gratitude every day;
Learn to achieve your goals;
Do charity work;

Creative goals:

Learn to play guitar;
Learn to draw;
To write a book;
Write blog entries every day;
Decorate the interior of the apartment to your liking;
Make something useful with your own hands;
Make your own website;
Learn public speaking and not experience stage fright;
Learn to dance and dance at parties;
Learn to cook deliciously.

Travel destinations:

Travel around the cities of Italy;
Relax in Spain;
Travel to Costa Rica;
Visit Antarctica;
Spend a month in the taiga;
Live 3 months in America;
Go on a road trip around Europe;
Go to Thailand for the winter;
Go on a yoga tour to India;
Go to trip around the world on a cruise ship;

Adventure Goals:

Play in a casino in Las Vegas;
Fly in a hot air balloon;
Ride a helicopter;
Explore the ocean in a submarine;
Go kayaking;
Spend a month in a tent camp as a savage;
Swim with dolphins;
Visit medieval castles around the world;
Eat mushrooms from shamans in Mexico;
Go to a trance music festival in the forest for a week;

Other goals:

Send your parents on vacation abroad;
Meet personally with famous person, whom you admire;
Live every day like it’s your last;
Organize a positive flash mob in the center of Moscow;
Get second or third higher education;
Forgive the offense to everyone;
Visit the holy land;
Meet new people every week;
Spend a month without the Internet;
Gain cosmic consciousness.
Find a mentor;
Change someone else's life for the better;
See northern lights;
Grow a tree;
Climb to the top of the mountain;
Overcome your main fear;
Create new healthy habits;
Ride a roller coaster;
Take part in a fancy dress masquerade in another country;
Become a mentor to someone.

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Personal financial goals, or rather their presence, are one of the main criteria for a person’s success. People without goals, floating through life with the flow, are akin to animals. I ate, went to work, watched TV in the evening and went to bed. And so on in a circle. After 5, 10 - 15 years, everything is the same. And if something happens in their life, then most likely it is just a favorable coincidence of circumstances.

Setting financial goals allows you to achieve your plans at a faster pace with minimal costs. Without them, a person does not develop and remains practically at the same level, including money.

So, if you have decided to change something in your life, then this article is for you. You will learn:

what are the financial goals?
how to formulate them correctly;
what are the stages to achieve goals;
examples of bad and good goals;
practical advice.

The correct definition of personal goals is the first stage in drawing up and its further implementation. That is why you need to understand the significance and importance. An incorrect installation will certainly not allow you to achieve what you want and will lead to a waste of time and effort.

Setting goals

What is a personal financial goal is the result you want to achieve. It must be measurable. For example, I want to become rich - this is a bad goal. It is not clear how much money you need for this. You need to express your thoughts more specifically.

Goals can be material or financial. Materials must be translated into monetary equivalents in order to understand what to strive for.

For example, you want to go on a family vacation abroad next summer. This is your goal. Material. Fine. How much money will you need for this? 50, 100 thousand, maybe 150 or all 200. You don’t know.

Or you want to save money for a comfortable old age. How much amount do you need to live a comfortable standard of living? Unclear.

The right goals should be set like this:

buy a new TV for 30,000 rubles;
make repairs in the apartment - 200 thousand;
take out a mortgage - you need money for a down payment - 350 thousand;
save up for a child’s education at university - 300 thousand.

Setting your goal correctly is just the beginning. We need to develop a plan to achieve it. What costs are you willing to bear and from this we get an approximate time frame for achieving the goal. If the period does not suit you (too long), then we adjust our costs upward. As a result, you should end up with some optimal balance of monthly expenses to achieve your goal without too long a deadline.

For example, your goal is a new laptop for 50 thousand rubles. You decided to save 3 thousand a month. It will take you almost 1.5 years to achieve. Not a short period of time. By increasing expenses to 6 thousand, the goal will be achieved in 8 months.

Stages of achievement

Conventionally, all goals can be divided into 3 types, according to the time of their achievement:

short-term - up to a year;
medium-term - from 1 to 3-5 years;
long-term - from 5 to 10-15 years and above.

Short term

Typically, goal setting should be done at the beginning of the year. You write for yourself what you need to do during the year. From buying a trip to the sea for the whole family, to purchasing, for example, school things for a child for the new school year.

As a result, you should end up with a list of things planned, with a mandatory indication of the amount and timing of their implementation.

Approximate plan for the year:

March-April - vacation at sea - 80,000 rubles;
June-August - a trip for a child to a children's camp - 20,000 rubles;
September-October - training in a driving school - 40,000 rubles;
November-December - repay the loan in full - 60 thousand.

Total: 200,000 rubles.

You will have exact numbers before your eyes. All you have to do is plan correctly cash flows and stick to the plan.

Medium term

Making financial plans for the next 3-5 years is a more serious stage. This could include buying a new car, expanding your living space, or accumulating some capital for specific purposes, be it investments, a financial cushion, or money for a child’s education.

You determine what you want to achieve in the next five years, translate it into money and your goals are formed.

Long-term

Everything is the same, only the goals are more ambitious and, as a result, it takes more than one year to achieve, but possibly several decades. Retirement savings immediately comes to mind. It’s possible, but this is not a matter of one day.

We determine the desired amount, adjusted for inflation and taking into account the income that the accumulated capital will generate during this time. Next, we calculate how much you need to save so that the planned amount is available when you retire.

The main difficulty is that the planning horizon is too far. It is impossible to take into account all the moments in the future that will directly or indirectly affect the movement towards the goal.

On paper (computer) everything looks easy and simple. I defined the goal, set a deadline for implementation and that’s it. In fact, this is a drop in the ocean. The hardest part is yet to come. The main thing is not to make a plan to achieve it, but to carry it out.

Use simple tips to achieve your financial goals.

You shouldn't set many goals for yourself. So you will scatter your efforts over trifles. As a result, either none will be achieved, or the time frame for achievement will increase significantly. There will be no motivation to maintain everything at a given level.

Choose for yourself only the main and priority tasks.

The more global your goal, the higher the costs and time it will require. And it’s better to have only one, maximum two.

Conversely, small goals are achieved quickly. There may already be more of them - 2-3, maximum five.

To maintain motivation and track progress, long-term and medium-term goals need to be broken down into several small stages. As you achieve them, set new ones and move on.

Agree, it’s quite difficult to complete the goal of earning 1 million to buy a new apartment (car) over the course of several years. We divide it into several stages (years). After passing the first one, we install a new one, taking into account the changed conditions (increased salary, found new job, my wife returned from maternity leave and her income increased).

Here's how it could be:

1 year - accumulate 100,000 rubles. Save 8 thousand monthly.
Year 2 - set aside 150,000 (12 thousand per month). Keep all your money in the bank at interest. This will give an additional 15-20 thousand.
Year 3 - the total amount of savings by the end of the year must be at least half a million.

Everything is clear here. No goals, no development, no movement forward.

It is very difficult to plan something for a long period. Especially in our country. The goals set, realistic and quite achievable today, in a year or two may already be quite burdensome financially. A striking example, job loss, layoff, wife leaving maternity leave and the birth of a child, don’t forget about the mortgage.

In this case, you should not abandon your goals completely, but change your plan for achieving them. You put aside 10 thousand, reduce the amount of cash receipts by 2-3 times. This will of course increase the time frame, but will allow us to move towards it, albeit in small steps.

After setting goals, it is advisable to record them. On paper, on the computer, on the phone. Of course you can keep it in your head. But this way you will not see the full picture of what is happening. How much money do you need in total, how much time is left until completion, what results have you already achieved.

Visual perception of information better helps you move towards your goal.

Various websites for achieving goals, personal finance accounting programs, and, in extreme cases, Excel or a simple notepad will come to the rescue.

Form financial habits. They must be developed at the level of reflexes. If you decide to deposit 3,000 rubles into the bank every month, then do it, no matter how strange it may sound.

Some people will simply be too lazy to stick to the plan or there will be many other excuses. They gave me little money, there are other more important needs at the moment, I will invest 2 times more in the next month.

This is where the collapse begins. Train yourself, perhaps through force, to do what was planned. And in a few months it will be as natural for you as brushing your teeth in the morning.

Sometimes, and in practice almost always, it is difficult to plan something and the main thing is to achieve something serious and big the first time. Numbers and deadlines can scare you and discourage you from doing anything. Therefore, it is better to start with small short-term goals. The achievement of which will increase your self-confidence and prepare you for more serious victories.

An abstract goal will not give you the desired result. For example, these:

within a year, open a bank account and deposit money there;
for constant receipt of passive income.

Let's say you open a deposit and buy bonds. Put 5 thousand on deposit and buy debt securities for 10,000. It seems that the set plan has been fulfilled.

But let's face it. Is this what you were aiming for? Surely not.

You should express your thoughts like this:

by the end of the year, open a deposit in the amount of at least 50 thousand with a yield of 8% per annum;
buy long-term 15-year federal loan bonds for 100,000 rubles, which will give me a profit of 10% per annum for 15 years or 10 thousand per year.

If you meet these conditions, the goal will be considered achieved.

Finally

Finally, I would like to give an example of an excerpt from the book “The Richest Man in Babylon.” If you haven't read it, I recommend it. One of the best books on changing financial thinking.

I think this will be appropriate. Show how to correctly set and continue to adhere to your personal financial goals.

- Strength of will! - Arkad objected sharply. - What nonsense! Do you think that willpower is the kind of strength that enables a person to lift a weight that camels cannot carry, or pull a load that oxen cannot budge?
No, willpower is an unshakable goal - to certainly complete the task that you have set for yourself. And if I set a goal for myself, no matter how insignificant it may be, I must go to the end and fulfill it.
Otherwise, how can I be confident in myself that I can do serious things? If I tell myself - for a hundred days, crossing the bridge on the way to the city, I will pick up a stone from the road and throw it into the water - then I will do it. If on the seventh day, while crossing the bridge, I forget to do this, then I will not think to myself - well, okay, tomorrow I will throw two stones and everything will be fine. No, I'll go back and throw my stone.
And will I say to myself on the twelfth day: “Arkad, all this is useless.” What benefit does it give you to throw one stone every day? Throw in a whole handful at once and be done with it. No, I won’t say or do that.
If I set a goal for myself, then I accomplish it. Therefore, I choose my goal carefully and do not start tasks that are too difficult or impractical because I value my free time.