Now, now; not later!

We all want to achieve our goals now. We need them now. We need to have our own house now, we need a brilliant career and extravagant vacations now. Why? Rent takes a lot of money out of our pockets. A career can bring us the professional and financial status we want. All this now when we are young. Later, when we are older, “it has no charm anymore!”. It’s just that, in the first part of life, we form ourselves. Everything we want, we build now; we make everything possible for later. It is not impossible to have them now, but it is necessary to have done something in the past.

Consultant in achieving financial goals

From my experience as a financial planner and consultant for over 5 years, working with important financial goals in a person’s life, I have noticed two patterns. Most people set themselves to achieve their goals in 1-2 years, maximum 5 years. 5 years is a critical period. More than 5 years is too much. After 5 years, nothing is desired anymore.

In the period up to 5 years, the desire is to have a house worth 70,000 – 120,000 euros, a car that costs 30,000 euros, vacations worth 5,000 euros per year. They are not impossible to achieve, if the financial situation allows. If the decisions made previously lead to these goals, then they can be achieved in a short time. It’s just that things are not always like that. And when there are no financial reserves, it is necessary to establish a realistic duration. Financial institutions will be eager to have you as a client. They will lend you exorbitant amounts of money so that you can get what you want: NOW.

Time does not stop now. Throughout your life you will have other goals. https://www.psihologiabanilor.ro/obiectivele-financiare-si-etapele-vietii/

The century of speed and its impact on personal achievement

The century of speed determines the determination to achieve as many things as possible in a short time. Now almost everything has become fast: getting rich, food, transportation, the internet. Why not get everything you want quickly? It is normal to want it. See it as part of the whole. This is how debt grew. After you’ve done everything quickly, you’ll pay more for everything with the loan because of the interest. Are you happy with such a consequence? Then there’s no problem!

The reward hormone: dopamine

If you want to stay motivated, even if it’s a long journey, you need to set some milestones. When you reach the milestones, reward yourself! For example: you want a house. You set yourself to save a certain amount and when you manage to save 5%, each time, you allocate yourself a vacation. In this way, you “see” that you’ve succeeded and celebrate that victory.

The impact of society on your financial goals

I personally have always been in agreement with what I wanted. I have not been influenced by society. Society, family or friends impose many goals: “to settle down in your own house, to have a family, and so on.” Have you noticed these influences? When you are in a relationship for several years, society asks: “And when are you getting married?” When the couple gets married, society asks: “When are you having children?” After they have had their first child, society asks: “When are you having a second child?” But are all these your goals? Ask yourself seriously: “What do I want: what are my real needs? I want my own house, do I want to get married or not? There are couples who are not married and live happily without that act. Do I want my child? There are couples who adopt children.

What fulfills you?

The question you need to ask yourself and reflect on is: “What makes me happy out of all that society says?” You don’t live with society. When you put your head on the pillow, you need to be at peace with yourself. That’s why you need to be at peace with your goals. You work for them. Society doesn’t work.

The difference between a financial planner and an insurance consultant

The differences lie in the rush and the pressure exerted on you. A planner will ask you what you want, what your goals are, and will make the plan, together with you, based on the characteristics you want. The insurance consultant will give you the bleak perspective of risks and extra protections: “If you’re walking down the road and a flowerpot falls on your head, you won’t be able to afford to buy your house!” That’s how you end up paying for that risk. Given that you are responsible and careful, you can save that money to achieve your financial goal.

The financial planner will facilitate your entire perspective, will help you to be aware of what the possibilities are in different time intervals. In order to optimize, now, as much as possible, the achievement of goals, it is necessary to be responsible and take care of your resources.

Consultant in achieving financial goals

The difference between planner and financial consultant

The financial planner will help you achieve your goals and have a realistic perspective of your goals. In contrast, a financial consultant will come up with financial solutions and will try to find which goal in your life to which his products are suitable.

A financial planner will ask you about the solutions that you agree with, that you have taken or that you are considering to achieve your goals and will subsequently be your consultant, looking for solutions that are suitable not only for your financial goal, but also for the characteristics agreed upon by you.

Who have you worked with so far?

I invite you, first of all, to work with yourself: to analyze your situation and see the perspective of the future, no matter how distant it may seem to you. The future is approaching you with rapid steps with each year you cross. Then I invite you to talk to a financial planner. Tell him all your desires and fears! https://www.psihologiabanilor.ro/consultanta-financiara/

Success in becoming aware of money and the power that time has in your life!