Today we celebrate the life and teachings of the late Martin
Luther King Jr. On August 28, 1963 he delivered his famous “I Have a Dream”
speech in which he laid out the vision he had for America. King believed
that every one of us should be free to pursue our dreams and showed
unbelievable strength, self-sacrifice, determination, and perseverance in that
quest.
For many of us, the trail to realize our own dreams – especially
financially - can also be a struggle. Whatever those dreams might be, it is
important to keep your eyes on the prize.
King once wrote, “Change does not roll in on the
wheels of inevitability, but comes through continuous struggle.”
If the dream is to a more
stable financial footing, it will take work to achieve. However, there are some
steps you can take along the way to make progress towards your goals.
Identify what you want and give it a deadline.
Each of us has things we aspire to, and as silly as it might seem,
the first step to making any dream happen is to express it. Are you trying to
obtain a house? A new car? A nest egg for retirement? Ask yourself why
you’re chasing this particular dream. The more reasons you identify the more
motivated you will be.
Find out what it will cost.
Whatever the goal, discuss your dream with family or a financial
counselor, set a timeline and a strategy to get there. Don’t be discouraged if
the timeline is a long one, there are milestones you can celebrate along the
way.
One good idea is a special savings account that you designate to
put money aside for this dream. For example, there are a variety of savings accounts at Community
Financial to help get you
started.
Identify potential obstacles.
While obstacles may stand in the way, such as dealing with debt
while trying to save, there is not much that cannot be overcome with advanced
planning. Ask yourself: What are some of the things that will keep you from
achieving your dream? Assess your financial needs, and get in help if need be.
Implement your plan.
After all of the work and planning, just do it. King wrote that “Faith is taking the first step
even when you don’t see the whole staircase.” With hard work and perseverance,
like Dr. King preached, you can see your dreams become reality.
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