This is the time of year we begin to plan for the new year...the time we
examine and re-examine our personal goals and objectives. Our goals for
the
year should serve our longer range goals...our 5 year, 10 year, and
lifetime goals.

Goals:

1. Must be in writing

2. Must be measurable

3. Are anticipated events or results

4. When valued, become priorities

A long term goal for most real estate professionals (most working
people) is to achieve Financial Freedom, which is attainable by
understanding a few
simple concepts...the first being that small amounts of money saved and
compounded over long periods of time turn into large sums of money.
Another
important concept is keeping track of where you spend your money, for
business, everyday living and pleasure.

Some practical tips:

Since money is important to the conduct of your life and business,
commit to making ledger (or software such as Quicken) recordings of your
expenses
every day.

Most of us spend money on average, 4 to 5 times a day. We either:
1. Pay cash
2. Charge on a credit or debit card
3. Write a check

Four to Five entries into Quicken (or into a ledger) each day will take
no more than 5 minutes...and that 5 minutes a day will lead you to
financial
freedom...yes financial freedom.

Here is the secret...you must be committed to your financial success. It
must become a small part of your daily life. Commitment is the key. The
following is one of the best and most inspirational comments on
commitment ever written. Read it...memorize it...think about it. Look at
your past successes and you will probably find personal evidence of the
truth and power of this statement. I know I did and do everyday.

>>
Until one is committed
There is hesitancy, the chance to draw back,
Always ineffectiveness.
Concerning all acts of initiative and creation
There is one elementary truth,
The ignorance of which kills countless ideas
And splendid plans:
That the moment one commits oneself,
Then providence moves too.
All sorts of things occur to help one
That would otherwise never have occurred.
A whole stream of events issues from the decision,
Raising in one's favor all manner
Of unforeseen incidents and meetings
And material assistance
Which no man could have dreamt
Would have come his way.
I have learned a deep respect
For one of Goethe's couplets:
"Whatever you can do, or dream you can - begin it.
Boldness has genius, power, and magic in it".

W.N. Murray
The Scottish Himalayan Expedition, 1951
<<

Commitment to your personal Financial Freedom is the first step
achieving it.

Saul

Saul Klein e-PRO/GRI
Certified Financial Planner (CFP)
President, InternetCrusade
1993 President, San Diego Association of REALTORS
1999 REALTOR of the Year
Sign up for e-PRO: http://www.eProNAR.com
(619) 283-7302 Fax: (619) 283-7343 MailTo:Saul@InternetCrusade.com