If you look at the Purpose page, you can find the Civil Accomplishment strategy to help remove debt and improve financial stability. Here are the four recommended strategies.
Each of these four points are worthy of exploration and should be discussed in further detail.
Gather information/data to better prepare ourselves for the future
The more information (or data) you have, the better prepared you will be for the future. I cannot think of a situation this does not hold true for. Quite simply, the better prepared you are, the more likely you will be to achieve your objective. For argument sake, if someone offers you a service and you are unsure if the pricing is fair, then you will want to compare it against their competitors. With more estimates for the same service or a similar service, you will be able to make a better decision.
If the decision you need to make is based on a service or product, there are plenty of reviews you can find online to understand how others felt about that service or product. If the decision you need to make is based on new job opportunities, you can research companies and salaries online at various websites including http://www.glassdoor.com. If you want to research a professor or a course you are thinking about taking, you can find more information on that at websites like http://www.ratemyprofessor.com. There is certainly no shortage of information and we need to leverage this as best as we can.
Understand our goals and build a plan to reach them in a timely manner
This is never an easy one, but is crucial to becoming successful. How would you know you were successful without having a goal set in the first place? Every year in December I start writing down my goals for the following year. By January 1st, I have my goals written down and I have already started gearing up to achieve them. A lot of the goals are carry-over from the previous year because my goals build on each other. My goals are divided up into several categories including personal, career, investments, and learning. I also look at my goals as short term (<5 years) and long term (>5 years).
Learn from our mistakes
What is the famous saying? Those who forget history repeat it again… or something like that. The same goes for mistakes you make in your lifetime. If you do not consciously think about your mistakes and set forth a plan not to repeat it again, you may be more likely to repeat the same mistake again. Humans do have natural patterns they follow and are likely to repeat good and bad habits. Since we can be smart if we want to be, we can remind us to avoid mistakes that can be costly.
Celebrate our successes
Just as important as learning from our mistakes, it is also important to celebrate our successes. When you reach a goal, you need to take a night to celebrate. For example, when I completed my masters degree I did go out with my family to dinner to talk about it. It is the recognition that reminds us that we are on track to succeed and we need to keep doing those good things as we move forward. It is not always easy to succeed and the work to get there can be difficult. At times you may want to give up, but if you do have a good support system (i.e., family, friends, colleagues), then you may be more likely to keep going because you do not want to let your support system down.
So, there is a lot to think about and it is very important to keep thinking about it. We must remember to gather as much information as possible when making decisions and preparing for the future. We must also understand our goals and build a plan to reach them in a timely manner. Learning from our mistakes is a big piece of growing and improving. Celebrating our successes will further solidify the notion that we are on the right track and that we need to keep going. You do not need to reach your goals overnight and should understand small consistent successes overtime lead to huge lifetime accomplishments when you add them all up.