#when i say college i mean it in the american sense. which isnt common here at all and also my degree is not even a degree
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15, 23, 27!
what’s the weirdest thing that’s happened to you?
so many weird things happen to me. ok here's one i remember. i had these earrings that i really loved, and in like 2017 i lost them when i was visiting my then-boyfriend. and for the 3 years we were together i never stopped looking for those earrings bc i really did love them. i had lost them at his parents', we were in college at the time. so every time we'd go visit i would look for those earrings. then after college we lived with his parents for a while and i was positive i'd find them then (like we cleaned out his entire room when we moved), but no luck. Then we broke up and ummmm long story short it was a bad relationship LOL anyway i realized he was probably stealing stuff from all of his friends so i kinda came to terms with the fact he might have stolen the earrings from me. fast forward a few months later my dad has to change a tire and he finds the earrings where the spare tire is
23. five words that describe you?
sleepy tired exhausted fatigued and a really big fan of the old snork mimimimi
27. books or films?
tbh im so bad with both. it takes me like 6 months to either read a book or watch a movie i want to watch (like ill read the book in 2 days, but there will be 6 months between those two days). but i think films? idk it changes a lot
weird asks
#when i say college i mean it in the american sense. which isnt common here at all and also my degree is not even a degree#ask game#bella tag
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hi everyone !!!! i’m a rising freshman at college/uni and thinking back on the college apps process i realized that i learned a lot that i would like to share !! i was successful with my college apps so im hoping i can give good advice✨
want to see more of this series? click here for the rest of the posts !!
the basics
tbh i personally loved going on campus tours !!! i think they are a very important aspect of the application process and shouldn’t be overlooked. a campus tour can easily make or break ur college list. additionally, if it wasn’t for campus tours, i would’ve never found the ~perfect~ school 4 me
scheduling - a lot of posts abt tours i’ve seen say to try and go when class is in schedule to get the campus vibe but tbh even if u go during the summer u can still get a good feel of what the school is gonna be like i only did my tours over the summer and u can still get a rly good feel based on the campus itself and the small number of students are there !
info sessions - if an info session is offered before the tour then please try and go to it ! they provide some of the basics about a school and often have a small q&a session with the admissions officer running it
the tour itself - if you can hang around the front of the group. this will allow you to hear better, easily ask questions, and possibly overhear someone else asking a question that you might not of thought of. just trying not to constantly invade your guide’s personal space or bombard them with so many questions that they can’t give anyone else attention
ask for what you want to see - idk whose idea this was but so many tours that i went on did not show a classroom which makes no sense since you are here to learn. if you do not visit a classroom or any other facility you would like to see (for me, i made sure to visit the main libraries), then ask after the tour if you can see one! i rly did not have a problem with this and most people told me where there were open buildings where classrooms could be seen. just remember that you still might not be able to visit certain locations as most university buildings only allow students to enter (it never hurts to ask)
with this being said, pay attention on tours for classrooms. while the tour might not stop in one, there’s a good chance you could walk by one so peak through the windows (if their isnt a class in session there - dont be creepy) so you can get a feel for what they look like.
why you should go - as long as time/money permit, then you should visit every college you can. like i already mentioned (and will explain later in this post), a campus tour can help decide if a school is truly right for you. going on a campus tour also shows demonstrated interest in school which can only be a positive when it comes to applying. the school will have on record that you visited there and then you automatically end up on their mailing lists (if you can’t visit make sure u sign up for the mailing list for this same reason). even if u have unofficially gone to a school hundreds of times do a campus tour
note taking
i didn’t actually see a whole lot of other students taking notes but i felt it was important in remembering details about the school and to gather information (if needed) for the why X school essay. i had a small notebook that i would write the important things from the info sessions, the feel/look of the campus itself, the vibe other students gave, the way the dorms/classrooms/cafeteria/library looked, answers to any questions i asked, or whatever else i felt was important. just remember to give your tour guide respect and pay attention to them more than your notebook
as you can see i took note taking very seriously
asking questions
this is super important as it’s the best time to understand what a school is like from an actual student. while they are there to sell u a school, they’re still gonna be more honest then info pamphlets
questions to ask
what made u choose X school among others?
this question is so !!! important !!!! i think this can help you grasp what kind of student fits w/ a particular school. if you end up with a tour guide who gives an insightful response, it can help reveal the values of both the school and the students. if u are like me and didnt have any top picks in mind beforehand or didnt rly know what you want in a school this can be helpful in understanding why people have their top choices and why they feel attachment to a certain school. additionally, if you are torn between two (or more!) schools when it comes to decision time, this can help u determine which school will be a better fit.
however, in my experience, many students tend to respond to this “i just had the right feeling when i visited the school” or some variation of this so you might not always get the best answer but try to get them to elaborate a bit more. for example, one of my tour guides was from london so i asked her why she wanted to go to school in america and what made her choose this school over other american colleges. while it’s not directly asking why X school i was able to get a more detailed answer to this question !
what are some unique traditions that X school has?
this ties into the previous question as it involves reasons for selecting one school over another but the main reason to ask this is for the “why X school” essay (i’ll talk about how to do these in a later post). not every school will have this extra essay, but many do so it’s important to be prepared ! this will give you content that’s more in depth and shows that you did research on the school
what’s the student body like?
are they super involved in service/volunteering? do sports function as the main social events? are people quiet and chill or major partiers?
while i talked about this in my post about researching schools, now is the best time to understand the ~vibe~ a school as. you should also observe other students around you and see what they are doing. you don’t need to ask the specific questions/similar ones that i listed, but make sure you get a general idea ! (unless of course you want to ask specifically about these things)
specific programs for your major
if you know what you would like to study, then ask questions about their specific program. (i did not know what i wanted to study, so i didnt ask these kinds of questions and unfortunately can’t offer much advice on how to ask)
ask about your tour guide’s major
if your major is not their major, they might not be able to provide much information outside of the general facts about it but ask about their major(s) ! i’m sure they’ll be glad to talk about what they are studying and it can give you a feel how the academics work in general about the school (especially if your major is within the same college/school @ the university b/c policies and whatnot will be very similar.)
@studywithanu has a guide on asking questions on campus tours written from their perpsective as a tour guide please check it out !
questions to NOT ask i can’t speak for tour guides on what they find annoying and what they don’t but just on the few campus tours that i went on i heard so much of the same bullshit questions (not trying to be harsh but some of it got to me). who knows, maybe some of these questions are only bad in my opinion but honestly i felt people could be using their time to ask better questions
what’s the difference between early action/early decision?
pal not to be rude but if u dont know this at this point then one props to u for not being completely obsessed with the college apps process as i was and two u have access to google.....it’s right there
but in seriousness, why waste your time on a generic question that can be easily found out and isn’t specific to the school you’re visiting ?? the purpose of the tour is to learn about one school not the application terminology. it amazed me how many different people i heard ask this
in case if u don’t know what the difference is i’m gonna tell u right here cause im feeling nice !
early decision - this is binding folks ! only apply ED if ur sure that your school is ur number one choice and you can’t picture yourself anywhere else and you’ll die if you dont go here. also u need to be able to afford it. the only way u can be let go of ur agreement is if the financial aid offered to you is too low (like way too low) and the cost will prevent you from attending college that’s it ! you can’t change ur mind b/c you think you like somewhere else better or somewhere else gave u larger scholarship. additionally, you submit your application (often november) earlier and find out about ur admissions status earlier (often december). note: some schools have ED II which basically is still ED, but you submit ur application at the same time as regular decision and you hear back earlier (normally february)
early action - non-binding ! apply to as many schools EA if you want. like ED, the application process is completed earlier and you are notified of ur status earlier too. unlike ED, you are not bound to any EA school and can wait to accept or decline until their deadline (may 1st is the majority for most universities). sometimes, a school’s EA might have a greater acceptance rate due the lower amount of students but the competition might be stronger so keep that in mind ! note: there are some schools w/ restrictive EA meaning you can only apply to that school EA and no others (you are not bound to admissions tho) this is most common in the ivies and generally you won’t come across it much.
what’s the average gpa/sat/act scores or what’s the acceptance rate?
again, why waste ur time on facts that can be easily googled and were most likely presented to you in the information session
this will make you seem uninformed and ill-prepared, which we don’t want. ask the best questions you possibly can !
how did you get in/what did u do in hs/what were ur grades
while i (thank god) never encountered this on a tour, i do know people can be very upfront with asking other studyblrs/appblrs these questions - maybe it’s just due to the anonymous feature on here but sometimes people are quite rude about asking these kind of questions
while i do not think asking someone with a study/appblr what their activities in high school is bad (as we are here to discuss these kind of things), the question “how did you get in to X school” needs to stop getting asked in general b/c guess what - none of us know which little detail of our applications made the admissions officer know you’d be the perfect fit for the school
instead try asking them about their current activities (gives you an insight on how the students are involved) and if they find the academics to be just the right level of challenging
anything that can be easily found on a school’s website
i know im basically repeating myself but if it can be found on the first few pages under the admissions section online or in any of their info pamphlets, then don’t ask it. it’s a waste of time - you want this tour to allow you to make an informed decision on if you should apply to this school. if you only go to learn stuff that you know is online (even if u dont know it off the top of ur head or haven’t looked it up yet) then what was the point of visiting at all ?
however, if you need more clarification about anything posted online (such as deadlines !) then ask away
is it right for me?
okay you’ve done all your research, visited all the schools on your list. now it’s time to ask are these schools right for me? should i apply here? there isn’t a right or wrong answer only you can determine if you should apply. since this is a bit more difficult to write clear-cut advice for here’s some examples from my personal experience
in case if you haven’t read my previous posts, the only factor i knew that i wanted out of a school was for it to be located in a big city, so all the schools i visited/applied to were in some major cities in the northeast. there was one school that i had high hopes for since it was located in the city but still had a traditional campus (hard factor to find in cities). however, upon traveling to this college, i discovered it’s on the outskirts of the city and a bit too far for my liking (i felt that if i attended i wouldn’t leave and explore the city daily, only on certain occasions if i felt like going out). additionally, i did not like the vibe the admissions officer that hosted the info session gave off. these two things were enough for me to say this is not the school for me, so after the info session my mom and i left and skipped the tour
when it came to the school that i will be attending, i only knew that it was my number one choice because of the campus tour. it was the last school i visited and while i had liked most of the schools i visited, i knew none of them were necessarily the “one” for me. they were all nice but my general reaction was just kind of okay i’ll still apply here onto the next school.... i hate that i can’t give a proper explanation as /why/ it was the right school (i always hated when my tour guides would say they picked their school based on a feeling), but yes i did have that feeling where i knew this was it. i could tell the students values aligned with mine, it was right in the city, it has an A+ study abroad program, strong academics, and more that i can’t put into words. if this doesn’t happen to you, do not be alarmed (tbh im surprised it happened to me) you don’t need to find the one for you to love your school. in fact, not having a dream school might be better b/c you can focus on your options logically and not get stuck on one school
a side note to this is my aunt always thought this one school was her top choice and that she had to go there but when she finally got a chance to visit, she absolutely hated it and later found a university that she loved (she still goes to football games regularly) don’t underestimate the campus tour !
can’t visit a school?
you still have several options to use even if you can’t visit somewhere (or even if u can these are still helpful)
virtual campus tours
youvisit - super neat campus simulation and some schools even have a virtual tour guide
campustours - also includes interactive maps
youtube channels
look for day in life vids, dorm tours, or any other content posted by students at the school + they’re gonna be more honest since it isn’t their job to sell u the school
school’s website/youtube
check the school website/youtube channel and see if they have maps or any kind of virtual tour
wow this was very lengthy so i rly hope this helps everyone ! if you have any other questions please feel free to send me an ask! my next post will cover basics to the common app so check back soon !
#appblr#studyblr#appblr18#college applications#appblr 2018#appse#this is so long i died making this#adkjcsjkd im prolly posting this too late for co '18 oh well#mine
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Hitting a Wall: What to Do When It Feels Like You're Not Making Financial Progress
Tell me if this sounds familiar. Youre in reasonably good financial shape. You probably have an emergency fund of some kind. Youre almost definitely not carrying any high-interest debts you might have a student loan or a mortgage, but nothing overwhelming. Youre probably contributing at least a little to retirement. Things are good. Yet theres still this overwhelming sense that youre just running in place. Things might be on solid ground, but youre not really building the foundation for the things you hope to have in life someday. Youre just running in place, one day after the next. Life is comfortable but its not going anywhere. You have some dreams, but they feel just as distant as they did years ago they might be negligibly closer, but thats all. Your life really doesnt seem any better than it did a few years ago, except that youre a few years older. Is this it? Is the American dream just a treadmill with a pretty picture on the wall in front of it? I want more out of life than that. Many of my friends do. Im guessing you do, too. Yet that sense of running in place and never making real progress is a very common thing. How does a person get out of that rut? For me, there are several techniques that I use to make sure I dont feel like Im just running in place with my financial progress. Here are six strategies that have worked really well for me over the years. Strategy #1: Reassess Your Goals If your life feels like youre just running in place, what are you running for? What are you running from? Often, that sense of just running in place or of hitting a wall comes when youve got a big goal youve been working towards and youve either achieved that goal in part or in full or else that goal is so far off in the future that it doesnt seem to be a real part of your day to day life. Lets say that your big goal has been to repay some or all of your debts. Youve managed to achieve it youre free from credit card debt. You have a lot of good financial habits that youre continuing to follow but now the extra money feels rather purposeless. Its tempting to just start splurging, but that feels wasteful, so you just kind of run in place and money builds up in your checking account. (I have a friend who is in this exact position at the moment and this post is in part written with him in mind.) Maybe you do have a big goal, like retiring at age 50 or 55 with a healthy annual income from your retirement savings. The only catch is that youre 32 and that goal seems like a lifetime away. You started when you were 28 and that seems almost forever in the past and you have far more ground to cover ahead of you than youve already covered. That mountain in the distance looks just as far away as it ever has. There are many variations on these stories and they all lead to that sense of plateauing, of no longer making meaningful progress toward any goal even though your tactics are still good and you havent really changed them. Often, the problem isnt your tactics, but your goal. When you achieve a significant goal in life, theres a sense of accomplishment, but then quickly thereafter theres a sense of nothing. You have a lot of good tactics in place for reaching the goal you just achieved, but now it feels aimless and empty. If youre in that situation, spend some time seriously thinking about whats next in your life. What do you want to do in the future? Maybe you want to change careers. Maybe you want to start a business. Maybe you want to retire early. Maybe you want to get your kids through college with minimal or no student loans. If youre without a goal, set one. The nice thing about big-long term financial goals is that, in the early stages, theyre usually really flexible. They center around either paying off debts or saving money somewhere. That means that you can decide, in a few years, to change your goal radically and youre usually in good shape for whatever your new goal is. So dont worry about the possibility of wanting a different goal in the future. Instead, worry about choosing a meaningful goal right now. What speaks to you? Make that your big goal and use that initial enthusiasm push you along for a while. Not only will it feel fresh and new, youll find that your initial progress feels quite big, too. What if youre in the other bucket and you do have a long-term goal but it seems incredibly far off in the future and your regular progress feels slow? First of all, do a gut check and make sure that you still really want this goal. Visualize your life at the point where this goal will be achieved. Does that vision really excite you still? Or is it interesting, but not something that makes you feel a little tingly? If you still find it exciting, indulge in visualizing that big goal regularly. This helps keep the goal feeling lively and meaningful. For example, the exciting vision in my life is Sarah and I effectively retiring about the time our youngest son finishes his schooling. For the first couple of years, we are going to do a lot of touring around the United States, visiting tons of national parks and significant state parks and national monuments and weird roadside attractions and the like and simply seeing America, just the two of us, like we did when we were dating and in the early years of marriage before a flood of kids made that kind of thing much more difficult. Except, this time, we arent worried about a career or about jobs or anything and we still have our health and many years ahead of us. That, for me, is the dream. Thats the big vision. If you dont find it exciting, spend some time soul searching until you find that goal that seems exciting, then indulge in regular visualization of that goal. Again, its that regular visualization of something you deeply want that makes a huge difference in terms of making your forward progress seem meaningful. In other words, if you really are on a treadmill, make sure that picture in front of you is as beautiful and engaging as possible so you dont notice the treadmill as much. Strategy #2: Change Your Focus One reason why people start to feel like theyre stuck in a rut is that theyre looking at a particular way of measuring their forward progress that isnt showing them the actual benefits of their effort. A great example of this is when you focus on the standard of living of your day to day life when youre aiming at a big financial goal. You might feel like youve been working hard forever, but nothing is changing and nothing is going to change for a long time. Youre still working at a demanding job. Your standard of living is roughly the same as it has been for a while. Nothing seems to be changing in your life, but youre still working really hard. In those situations, it can be really valuable to look frequently at a different metric, a different way of examining your life and charting your progress. For example, rather than thinking about your day to day life, keep your eyes on a number like your net worth or your overall retirement balance. Keep track of those numbers over time and compare your current number to earlier ones. In my own life, I look at both of those numbers fairly often when Im feeling like Im running in place, and then I dont look at them much at all when I feel good about things. Seeing the growth in my net worth and in my retirement savings makes me feel really good about my financial progress, even if my day to day life feels unchanged. In truth, my daily standard of living hasnt changed much at all in the last decade, so if I looked at that, I would feel like Im not headed in a great direction. However, when I look at my retirement accounts, Sarahs retirement accounts, and our childrens 529 accounts, its pretty hard to miss the immense progress on all fronts. Things like helping our children with their education have gone from wistful dreams to mortal locks. Things like trying to retire in our early fifties (or so) isnt a dream at all, its more like an inevitable conclusion (assuming thats what we choose to do at that point). My day to day life is a bad metric for what my future holds. I only feel disheartened when I look at my day to day life as the main metric for success. The thing I need to remember is that my big life goals involve being very busy and almost overwhelmed at this point in my life and having many parts of my life be simple and automatic is part of my biggest life ambitions. I want to raise three children to be solid citizens in the world (which Im doing now) and then when theyre on their own, enjoy the rest of my life with Sarah in a very low stress environment (which Im actively preparing for). So, my metric for seeing whether or not Im successful at those endeavors isnt the quality of or change in my day to day life. If Im looking at that, then Im going to feel like Im running in place. What I need to look at instead is the quality of my relationship with my children and my wife, how frequently I put aside time and energy to listen to them and genuinely try to understand them and guide my children in a positive way, and my savings progress toward the big events coming down the road. Those things are in good shape and theyre aiming in a very positive direction, even if my day to day life doesnt seem to be radically impacted. The changes are there, but theyre subtle, and I have to know where to look. Remember, when you look at a beautiful house, you usually dont see the foundation right away. If youre improving your foundation, then measure the foundation, not the house. Strategy #3: Look for the Things That Dont Matter One common element of feeling like youre hitting a wall and not making any progress is that youre, in fact, not actually making any progress. If you take a peek at other indicators like account balances and net worth and find that its not growing very fast at all, then your money is going toward things that arent your goals and youre making extremely slow progress (if any) toward your financial goals. The Simple Dollar is loaded with advice on how to handle this situation, but theres really one single piece of advice that stands above all else: What are you spending money on thats unimportant to you? Whatever that is, cut it down to the bare minimum. The common reaction that many people have is to reflexively say that everything they spend money on is important, but thats very, very rarely true. Most of us spend at least some of our money on things that are really unimportant in the big scheme of our lives. Instead, if youre feeling like this, then its time to run through all of your expenditures with a fine toothed comb and ask yourself whether or not this item is really, really important to you and, if its not, look for ways to cut that spending to a bare minimum. Is your car insurance vitally important to you? Well, you have to have it, but very few people are going to have deep personal feelings about their auto insurance policy. Shop around and get a cheaper rate, then start funneling that savings straight into your long term goals. Is your cell phone plan vitally important to you? Many people may need or really want some form of cell phone plan, but many people are on a plan thats overkill for what they actually use. Look at what you actually use, then shop around for a plan that matches that, and start funneling the savings straight into your long term goals. Is the brand of ketchup you buy vitally important to you? Maybe if youre a ketchup connoisseur, but for the vast majority of people, ketchup is ketchup. Start buying ketchup and all of the other things that arent vitally important to you in store brand form, and channel those savings straight toward your long term goals. Do this with everything you spend money on. Stop spending your money and thus the time and energy and effort that went into earning it on things you dont really care about and start channeling it toward stuff that you do care about. Youll find that you start moving toward big goals far more rapidly. Strategy #4: Automate Your Good Financial Moves in an Aggressive Way A big part of strategy #3 is about channeling the found money in your life toward your big financial goals. This sounds good on paper, but when you have some cash in your checking account, it might not be on top of your mind to put that money toward retirement or college savings or whatever. Thats where automation comes in. When youve cut your spending in some notable fashion, you should set up an automatic transfer of that exact amount you cut toward a big goal that you have. Did you cut your monthly cell phone plan by $20? Add $20 per month to your automatic contribution to your Roth IRA. Did you save $60 a year by changing auto insurance policies? Bump up your retirement savings at work by $5 a month. Did you manage to trim $50 a month from your grocery and household supplies spending by switching to mostly store brands? Schedule an automatic extra payment on one of your debts for you guessed it $50 a month. Did you find some other way to save $10 a week? Set up an automatic $10 weekly transfer from your checking to your savings to start building up an emergency fund, so the next car breakdown doesnt catch you off guard. Since you know how those cuts were made, doing something else with the savings shouldnt affect your standard of living one iota outside of those specific changes. Meanwhile, youre now making automatic progress toward whatever your goal might be. That progress will become apparent over time if youre looking at the right metrics (see Strategy #2). Youll see your debts declining a little faster. Youll see your retirement savings growing a little faster. Youll stop plateauing and start heading toward your goals again. Strategy #5: Focus on the Meaning: What Do Your Contributions Actually Represent? Often, when were working toward a big financial goal, the little steps we take along the way can feel really insignificant and meaningful. What is a step when youre running a marathon? Its one of tens of thousands of other steps, right? Yet each of those steps requires some effort. Each of those steps requires some sacrifice. If youre putting $100 into retirement savings, thats $100 that youre not enjoying in ones daily life. Thats a choice and a sacrifice, and its one that many people start to struggle with. Its an even more difficult choice when its hard to tangibly see what the $100 toward a big financial goal represents. $100 might be a great dinner with my wife and a movie together and maybe a stop at a bookstore where we each pick out a book. What is $100 toward retirement? Its hard to see it. For me, I find that there is a great deal of value in seeing what those individual steps represent. For me, what I have found a great deal of value in doing is breaking down my cost of living into how much that is per day and using that as a measuring stick I call it a day of freedom. Lets say my annual living expenses are $36,500 per year. Thats just a convenient number to make this easy to understand. If I translate that into a day, that means that every $100 I have in retirement represents roughly a day of freedom from having to work. Its a day I can sleep in. Its a day I can rise and stretch and not have to think about work unless I want to keep working on a project. Its a day I can fill with leisure if I choose. Its a day where I can chase down whatever passion is on my mind. I can go on a long walk or whatever it is that I want to do. Its just a day of complete freedom. Its a complete day of freedom for Sarah, too; we might spend it together, or we might each do our own thing. Every $100 I put into retirement savings represents a day of complete freedom like that. Even better, every time I put in $100, its an extra day on the front end of retirement, meaning a day when Im as physically and mentally healthy as Im going to be. When I look at my $100 contribution to retirement that way, things start to reshape themselves. I could spend $100 on an exorbitant date with Sarah, or we could have a modest dinner at home, cuddle up and watch a Netflix movie, and go on a nighttime walk hand in hand, and then that $100 goes into retirement and buys us a day of freedom later. Naturally, there are some things and some experiences where its pretty sweet to have them right now, but that threshold gets a lot higher when I see it gobbling up days of freedom from my life. Those are beautiful and valuable and precious. You can do that kind of translation with almost any goal that you have. Retirement makes it really easy, but you can look at college savings as basically opening opportunities for your kids. You can look at debt freedom as lower bills and more opportunities for you. Just divide it up into pieces that are really meaningful for you for me, the thought of a day of freedom is really powerful, so I use it a lot. $100 in retirement savings buys me a day of freedom, and each and every $100 contribution moves those days of freedom ever closer to today. Eventually, my life moving forward and those days building backward are going to meet up, and every single bit of savings shrinks that gap. Strategy #6: Raise Your Income This final strategy is a little different because its not just a switch that most of us can easily flip in our lives, or else wed do it. Raising your income usually requires a lot of effort within your career or entrepreneurial path, a career switch, or a second job or side gig, and all of those are challenging and require effort and planning. However, if you want a way to sustainably get out of your financial slog, jumpstarting your income (and directing that increase to your financial goals) is a guaranteed way to do it. So, how is this relevant and actionable? Simply put, you can simply choose to make improving your income into a short-term or medium-term goal thats part of your long-term financial goals. Your goal might be to retire early, but the thing you can really work on right now on the way to that goal is setting yourself up for more earnings. For example, if you think that the best next step to earning more for you is to get a raise or a promotion at work, talk to your boss about a concrete plan with clear steps that you can follow to take you to that goal. That plan becomes your medium-term goal; the individual steps are short-term goals. If you want to start a side business, write up a business plan (short-term goal) and execute that plan (medium-term goal) by following all of the steps (a bunch of short-term goals). If you want to launch a new career, figure out what your path looks like from where youre at to that new career path (short-term goal) and start following that path (medium-term goal) by getting the education you need (medium-term) a class at a time (short-term) and setting yourself up to dive into that new path with success. If you want to jump to a new job in your career path, figure out what you need to have on your resume to make that leap (short-term task) and make building that resume your goal (medium-term goal). Each step in that process is a short-term goal that you can work on at your current job or in the evenings. In short, you turn income growth into a medium-term goal, and the steps to getting there into short-term goals, as part of your long-term financial goals. Those steps arent guarantees of more money nothing ever is. However, those steps are all about you controlling the part of the process that you can actually control, which is your actions, thoughts, and behavior. You do your part and good things will typically follow. Final Thoughts When you feel like youre stuck in place with your financial progress, there are many potential causes and youll often find that more than one of them apply to you. You might not have a compelling long term vision at all. You might be focused on the wrong measurement of success. You might be misusing your resources and wasting your efforts. You might not be appreciative of the usefulness of each step and what it really means. Or, you might just need some tangible short term and medium term goals. Whatever the case may be, there are ways to break through this wall and either start making fresh financial progress or recognize that youre actually making a lot more progress than you thought. In either case, your path forward becomes illuminated in a whole new way. Good luck! Read more by Trent Hamm: https://www.thesimpledollar.com/hitting-a-wall-what-to-do-when-it-feels-like-youre-not-making-financial-progress/
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