Imagine na it’s exactly five years from today. Na-achieve mo na ang financial goals mo, possibly including being debt-free or owning a house. Sumulat ka ng letter to the previous you, who may have been struggling, saying na with discipline you’ve finally reached your goal.
Sarap ng feeling, ‘di ba?
Isa sa mga techniques na ginagamit para ma-envison ang mga financial goals ay ang pagsusulat ng isang letter para sa’yo na galing sa iyong future self. Nakasulat dito na kunwari’y naabot mo na ang mga goals mo.
Para hindi overwhelming, the letter can just be simple, stating one goal like saving a specific amount, paying off a loan, or making your first investment.
Check out this sample letter:
Kapag may clear vision ka na ng gusto mong marating, it’s time to bridge the gap between today and that future.
Writing or visualizing that letter is just the first step. Dahil alam mo na ang gusto mong mangyari, pwedeng maging mas motivated ka to make better choices.
Here are some tips to write that letter and use it as a daily guide to make your goals a reality:
Set your financial goals: Treat “achievements” as your to-do list. Isulat sa letter ang mga objectives mo at isipin na na-achieve na ng future self mo ang mga ito. That is your actual action plan. To guide you with how to set goals, read this article.
Create a timeframe: Kung nakalagay sa letter na debt-free ka na in five years, break it down to small, achievable goals. Set a specific timeframe for your current steps, whether it’s in weeks, months, or even years.
Hold on to the sensory details: Isipin mo ulit kung ano ang ginagawa mo sa future and what financial stress you no longer feel by that time. Gamitin mo itong motivation para maging real at achievable ang future na ito.
Make it easy to see: Ilagay ang letter sa isang lugar kung saan madalas mo ‘tong makikita (like your vanity dresser or workstation). Kapag feeling mo nawawala ka sa direction, balik-balikan ang letter para mag-realign at ma-strengthen ang iyong commitment.
Affirm your current self: Always be kind and compassionate to yourself. I-remind ang sarili mo na it’s alright to fail as long as you are pushing to learn.
Other than writing a letter from your future self, marami pang paraan para ma-visualize ang iyong financial goals. Kung mas visual ka o mahilig ka sa arts and crafts, a vision-to-action board may also work for you!
Basta guided ka ng clear vision mula sa future self mo, ang pagkakaroon ng consistent habits, kahit gaano kaliit, ang magpu-push sa iyo na makamit ang real financial milestones. Nakakabawas din ito ng anxiety kapag alam mong on track ka.
Learn more financial lessons in our free Earnest e-book. You can also follow @earnestph on Instagram and TikTok.
Disclaimer: This article is for general information purposes and does not constitute formal financial advice. Always do further research before making financial decisions and seek professional advice from a certified personal finance counselor. For more information, read the Earnest disclaimer here.