Getting what you want doesn't always come easy. More often than not, you have to work hard to achieve the results you desire. Getting out of debt and securing your financial future is no exception. This requires dedication, perseverance and the know-how to manage your money.

In order to reach your aspirations, you must go through a process. This is called goal-setting. It is not a hope or a wish, it is a 'will do by when'. From this, a plan will be mapped out with the the times, the tasks and deadlines along the way.

The Table Below is an Example:

Want, Wish & Hope	Will do by when
Hope To Be Out Of Debt	Will be out of debt by September 2019, based on an increasing payment of £100.00 per month to all credit cards
Want to buy a House	Will buy a house by 2020. I need to have a deposit of £20,000.00. I will have to save
Wish to retire early	Will retire at the age of 55. In 25 years, I will to have an income of £25,000.00 per year. I need to have savings of £650.000.00 taking 4‰ as income. Achieving this will mean I need to save £400.00 per month.