How to secure your financial future without winning lotto

Goal SettingEvery week many of us sink our hard earned cash into lotto tickets, dreaming of winning big, getting out of the rat race, living the high life and not having to worry about anything anymore. When the winning numbers are finally drawn on the day, it’s always the others who win. Sound familiar?

So why do so many people keep doing it again and again, keeping that dream alive, that never comes true for the majority of lotto players? I will leave the answer to this question to the psychologists. However, I will tell you that you have better chances to secure your financial independence by setting goals, developing a household budget and think about what you spend your hard earned cash on. You see, most things in life are simple, although they may not be easy.

The first thing you need to do is to sit down and establish and define your life goals, that means you want to become clear about WHAT you want and WHY you want it. Then you direct your financial plan towards achieving these goals. Of course life is always changing, and so might your goals. When this happens you simply need to adjust your budget and expenditure plan.

To get instant access to some great goal setting, budgeting and financial planning tools, visit – they are FREE!

Here’s the important thing: You must write down your goals! It will be more effective than writing down your lotto numbers. The following account speaks volumes:

A case study was undertaken on achieving goals. The study divided 100 people into two groups who were asked to consider what they wished to achieve in the next five years. The first group wrote down their goals and referred to them regularly. The second group discussed their goals, but didn’t write them down. Five years later both groups came back together to discuss what they had achieved. Of the first group who were told to write down their goals and refer to them regularly, 96% of the people achieved all their goals. Of the second group, which only discussed their goals, 16% of the people achieved all their goals. So, as you can see this is a clear example of how writing down your goals and referring to them regularly is incredibly powerful. It keeps us focused. It’s the corner stone to any success you can achieve in life.

Take your future into your own hands now and don’t leave it to the lottery. If you need help getting started, visit to get some resources that can assist you to sort out your budget plan.

Copyright © 2013 Robert Bauman