"The difference between a goal and a dream is the written word." − Gene Donohue



One thing is for sure: This stuff must be written down. That is the way to begin.

Why? Once it goes into writing, a goal becomes substantial. It becomes tangible. It begins to etch itself into your subconscious.

Once that's done, then review your goals daily. This is a crucial part of your success and must become part of your routine. Doing this will start both your conscious and subconscious minds working towards the goal.

Repeatedly visualize each completed goal. Get a clear mental picture of the goal already accomplished. Make the mental image crystal clear, vivid in the mind's eye. Play that picture over and over in your mind.

Back your plan with persistence and resolve. Never, never, never give up − even when you hit setbacks.

Organize.
Plan.
Discipline yourself.
Execute.
Get it DONE!

Compound interest for the following was computed with the online calculator here.

GOAL 1
Auto loan for 1997 Toyota truck will be paid in full.
  • This eliminates the last of our two auto loans.
  • This will end $200 per month in loan payments.
    ACCOMPLISHED: Jan. 10, 2002    

GOAL 2
Mastercard will be reduced to an outstanding balance of less than $4000.
  • Principal is reduced by 25%.
  • Monthly interest charges decline from $47.85 to $41.21.
    ACCOMPLISHED: Jan. 2, 2002    

GOAL 3
Mastercard will be reduced to an outstanding balance of less than $3500.
  • Principal is reduced by 13%.
  • Monthly interest charges decline from $41.21 to $29.08.
    ACCOMPLISHED: April 17, 2002    

GOAL 4 (May, 2002)
Mastercard will be reduced to an outstanding balance of less than $3000.
  • Principal is reduced by 14%.
  • Monthly interest charges decline from $29.08 to $24.75.
    ACCOMPLISHED: June 21, 2002    

GOAL 5 (June, 2002)
Mastercard will be reduced to an outstanding balance of less than $2500.
  • Principal is reduced by 17%.
  • Monthly interest charges decline from $24.75 to $20.83.
    ACCOMPLISHED: June 21, 2002    

GOAL 6 (July, 2002)
Mastercard will be reduced to an outstanding balance of less than $2000.
  • Principal is reduced by 20%.
  • Monthly interest charges decline from $20.83 to $16.88.

GOAL 7 (August, 2002)
Mastercard will be reduced to an outstanding balance of less than $1500.
  • Principal is reduced by 25%.
  • Monthly interest charges decline from $16.88 to $12.89.

GOAL 8 (September, 2002)
Mastercard will be reduced to an outstanding balance of less than $1000.
  • Principal is reduced by 30%.
  • Monthly interest charges decline from $12.89 to $8.87.

GOAL 9 (October, 2002)
Mastercard will be reduced to an outstanding balance of less than $500.
  • Principal is reduced by 50%.
  • Monthly interest charges decline from $8.87 to $4.82.

GOAL 10 (November, 2002)
Mastercard will be reduced to an outstanding balance of zero.
  • Principal is eliminated.
  • Monthly interest charges decline from $4.82 to $0.