It is the beginning of a new month, where we celebrate all our achievements and successes from the past month, learn from our mistakes and plan for the future.

As an independent individual, trying to maintain control of every situation can be difficult, especially when there are other important activities that take up our time and focus on set out plans and goals.

Goals! A majority of us may not have set out goals at the beginning of the year, but we all have those short-term and long-term goals that we have written down somewhere.

At the beginning of a new month, in order to stay focused on your goals and aspirations, there are a few ideas you can try out, especially if you are having difficulty achieving your objectives.

Set the right goals. We should be able to differentiate between a want and need, nobody wants to end up with unnecessary expenses without having achieved your set out plans.

With goals, there are short term goals and long-term goals. Short term goals are goals you want to achieve in the near future, while long termed goas are goals that take a long time to achieve. One should be able to categories certain goals and know which objective is more important and how to work towards achieving them.

Another problem people fail to recognise are unpaid debts. It is very important to stay out of debt, this does not just stand as a distraction, but may serve as an endless loop where you could end up working just to pay up your debts.

Furthermore, it is important to note that a consistent weekly re-evaluation or check of your income and expenses helps a lot, with staying in control of your finances. Being independent comes with a lot of responsibilities and staying responsible most times involve varied expenses. It could be moving into a new apartment or having to get a new laptop for work. In such cases, it is safe to say that occasionally reviewing your income and how it is spent would help you stay on track, it helps you decide if you should be shopping at Lagos market over the usual Shoprite.

And last but not the least savings. Yes, we should all develop the culture of saving. Savings are very important, I cannot begin to mention various testimonies of how income savings came through during hard times. Having considered these ideas, try them out. When your next cheque comes in, tuck some of it away in a savings account.

BY: Ifeanyichukwu Okpala

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