Budgeting
Planning & budgeting
Saving & investing
KiwiSaver
Tackling debt
Protecting wealth
Retirement
Home buying
Life events
Setting goals
Money tracking
Plan your spending with a budget
Getting advice
Studying
Get better with money
What pūtea beliefs do you have?
How to save your money
How to start investing
Find a financial adviser to help you invest
Your investment profile
Compound interest
Net worth
Types of investments
Term deposits
Bonds
Investment funds
Shares
Property investment
How KiwiSaver works and why it's worth joining
How to pick the right KiwiSaver fund
Make the most of KiwiSaver and grow your balance
How KiwiSaver can help you get into your first home
Applying for a KiwiSaver hardship withdrawal
How to use buy now pay later
What you really need to know before you use credit
How to get out of debt quickly
Credit reports
Know your rights
Pros and cons of debt consolidation
Credit cards
Car loans
Personal loans
Hire purchase
Student loans
Getting a fine
What happens if I start to struggle with moni?
How to protect yourself from fraud and being scammed
About insurance
Insurance types
Insuring ourselves
Wills
Enduring powers of attorney
Family trusts
Insuring our homes
Losing a partner
Redundancy
Serious diagnosis
How to cope with the aftermath of fraud
Separation
About NZ Super
This year's NZ Super rates
When you’re thinking of living in a retirement village
How to plan, save and invest for retirement
Manage your money in retirement
Find housing options in retirement
Planning & budgeting
Saving & investing
KiwiSaver
Tackling debt
How to use buy now pay later
What you really need to know before you use credit
How to get out of debt quickly
Credit reports
Know your rights
Pros and cons of debt consolidation
Credit cards
Car loans
Personal loans
Hire purchase
Student loans
Getting a fine
What happens if I start to struggle with moni?
View all
Protecting wealth
Retirement
Home buying
Resources
Videos
Podcasts
Just wondering
Help with the cost of living
In need of financial help
Booklets
Glossary
Blogs
View all
31 January 2017
Reading time: 3 minutes
Posted
by
Tom Hartmann
, 0 Comments
Perhaps it’s because we’re winding up the holidays and getting back on the job. Or because the stationery and uniforms are all ready and we’re waving the kids off to school. With so many around us kick-starting their yearly routine, we can ride that wave and start fresh with our financial goals.
I find the big questions inspiring. Some well-placed ones can put us in the mindset:
It’s a fun place to be: surveying the dreamscape. Some of our answers might become projects that last a lifetime!
If you want to capture some of your vision of where you’re headed in the short, medium and long terms, Sorted’s goal planner can help.
For the year ahead, though, our dreams can’t stay beached on the sand. They need to be something that we can really wrap our arms around and lift: funding that overseas trip, slashing our credit card balance, or even getting to next Christmas without having to rely on debt. What are we up for?
We can build a buffer to get ready for the unexpected. Or we can make sure we’ve got the right insurance in place in case things go pear-shaped. We can save more, invest more, get ahead more. What do we want to see?
Next up – after charting some destinations of where we’re headed this year – we can look into how to get there:
Most goals will take time, and they typically take money. This is what financial planning is meant to be for.
And this is also where budgeting tools like this one can be misunderstood – they can’t be just about “making ends meet” or “having it all work out” – they need to be focused on finding as much surplus as possible to fund our goals. The more money we can free up, the faster we can achieve what we want to this year – and in the years to come.
“There’s no time like the present,” they say. To me there’s no time like this time of year to take tangible steps to reach our goals. It’s up to us to ride the wave and seize it.
Use verification code from your authenticator app. How to use authenticator apps.
Code is invalid. Please try again
Don't have an account? Sign up
Or log in with our social media platforms
A Sorted account gives you a personal dashboard where you can save your tools, track your progress and you'll also receive helpful money tips and guidance straight to your inbox.
Or sign up with our social media platforms
Comments (0)
Comments
No one has commented on this page yet.
RSS feed for comments on this page | RSS feed for all comments