![]() ![]() Define what you need to do to get promoted, and the timeframe in which you want it to happen. It’s specific, measurable, achievable, relevant, and timely. We have a plan to pay off debt, then use the money spent paying off debt to buy a new car, and a timeframe for each step along the way. Once the cards are paid off, I will use the 15 percent I was using towards credit cards to save money for a down payment on a car by July 1 of next year. To do this, I will use 15 percent of my take home pay toward paying off credit card balances each month. Good example: I want to pay off both of my credit cards by the end of the year, and pay off half of the balance on each card by October 1. We’ve established that we want to pay off debt, then save money, and buy a car once our credit score improves – but when do we think that will be? Here, our goal is to pay off debt so we can buy a car. You should provide more unique markers for when you expect to achieve the end goal. The “T” in SMART is for timely, or time-based. Once the cards are paid off, I will use the 15 percent I was using towards credit cards to save money for a down payment on a car once my credit score improves. In your SMART goal, mention what the relevance is for your desire to pay off debt. Consider why you want to pay off debt aside from the obvious, what about your debt is hindering you? Are you unable to save money because your income is going towards debt? Maybe the balances are affecting your credit score, and you’re unable to get a loan for a car. In the SMART goals scheme, “R” is for relevant. Providing guidance on how to achieve the goal is critical to keeping yourself on the path to success. This is a time when you should give yourself a more rigid framework to work in. You’ve provided yourself with a smart, measurable goal to paying off debt – but how will you actually achieve it? The “A” in SMART represents achievable, and is meant to help you discover ways to achieve your goals. You could add measurable markers along the way, such as this: Let’s say it’s July first, and you want to pay your credit cards off by the end of the year as defined in your “S” goal. It allows you the opportunity to check in at various intervals and see how you’re doing, then reset your goals as necessary. ![]() Think about the overall time frame for your goal, and how you can measure success while achieving it. Good example: I want to pay off both of my credit cards by the end of the year. Be as direct and concise as possible with this step having a broad goal can dissuade you from trying to achieve it, as those often feel too big a task, or the scope too vague. The “S” in SMART is for specific, so you should think about a very specific goal you want to achieve. It’s easy to get overwhelmed with life, and SMART goals let you focus on smaller things that allow you to take small steps toward achieving big things, or just freeing up time for personal projects by managing time more effectively. The overall goal is to help you break things down into smaller projects or tasks. SMART is an acronym for Specific, Measurable, Achievable, Realistic, and Timely. Let’s answer the most pressing question right away: what does SMART goals stand for? In this article, we’ll provide some SMART goals examples, discuss the SMART goals definition in detail, tell you how to write SMART goals for yourself, and discuss some apps that can help you create a SMART goals template you can use often. Whether it’s at work or in your personal life, having a SMART goals worksheet can keep you focused on achieving more, and more frequently. It’s fair to wonder why this method for creating goals is so popular, and how it can apply to your life. You’ve probably heard the term “SMART goals” and wondered what they are, or why it’s something people buy into. With a single multi-tool subscription for your team. ![]()
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