Optimize finances

Summer is for dreaming. So dreams don’t fail because of the necessary finances

Lesedauer 2 Minuten

Last update: 21.07.2018 12:36

Look towards the sun and dream.
Who doesn’t like to do that in summer?
But then comes the reality check and with it a quick end for many dreams.
Because dreams rarely come alone, they involve effort and the necessary finances.
With the right approach, your dreams won’t fail because of money.

Dreams vs. goals

A short break from everyday life is the best inspiration for our brain.
We already have the best ideas – and the biggest dreams for our future.
How nice would a longer trip, a little house in the countryside be?
Or more city life, your own business?
Either way: more of a personal lifestyle? Our dreams are often huge and that makes it difficult for us to translate them into a concrete goal. We often see that people have big dreams but then realize during the reality check that the road is long and involves a lot of effort.
Many then give up straight away.

First step

Yes, it’s difficult to break a big journey down into small steps, but that’s exactly the point.
It’s the only way to take the first step, to get started at all.
Of course you can also wait for the big windfall, the lottery win or the inheritance.
However, it is much more likely that you will approach your big dream in small steps.
In business, we talk about minimal viable products, i.e. the smallest possible “thing” you can do to get ahead.
Therefore, think carefully about the first mini-step – and only this one at first. For example, if you want your own restaurant, organize evenings at home first.
It doesn’t cost much and will give you a lot of insights.

Find fellow campaigners

There is usually a good chance that others will share your dream or like your idea.
For example, you could share a vacation home or swap your own home for the time being. In times of the sharing economy, there are many ways to get access to things or places by sharing. You can find other people in the same situation on corresponding platforms.
The same applies to buyers, partners or investors.
The point here is to get other people excited about your dream, to get them on board.
Together we can make faster progress.

Utilize resources

After all, it takes time or money to make dreams come true.
Or you could also say that it’s one and the same anyway.
Your greatest resource is still your labor and the associated opportunity to earn money.
By saving, investing smartly and, as mentioned above, offering others a smart investment, you can make more of your resources and reach your goal faster.
We often find that people don’t even realize that they already have a lot of resources. In addition to working and saving, you can, for example, withdraw money from the pension fund (2nd pillar) or the voluntary pension plan (3rd pillar) for self-employment and home ownership to realize well-considered dreams.
So, turn your dreams into concrete goals and take the first small step.
Talk to people who think similarly and who could help you and use all your resources.
Have fun dreaming and even more fun realizing your dreams.

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