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1 冠冕成長網絡 --P.1- 設定目標的簡單秘訣荷樸. 魏爾本我想我們所有人都同意有目標是重要的我們需要使我們的工作有方向, 有動力驅使我們向前目標是你想要將來會如何的聲明這個原則當然也適用在我們的財務上沒有目標, 財務計畫就失去意義對基督徒而言, 設定目標的過程應該包括禱告讀上帝的話並且所想要的未來是能榮耀我們的主箴言 16 章 3 節說 : 你所作的, 要交託耶和華, 你所謀的, 就必成立我們的目標應該來自上帝放在我們心中的渴望, 且按照祂對我們生命的計畫 -- 我們的目標要與上帝的目標相合! 定義這個目標設定目標的第一個步驟是清楚地下定義看看你目前在哪裡以及你要到哪裡要明確不要說 : 脫離債務而要說 : 在兩年內付清信用卡債若是為了儲蓄或捐獻的目標, 就設定一個明確的金額或是收入的百分比要實際不要設定一個目標是要靠錢財增加才能達到的設定的目標要根據你目前所在的位置, 以及你實際可以做到的若你得到加薪, 就把錢用來使你更快達到目標夫婦應該一起設定目標, 若合適, 也要包括孩子例如, 若你的目標是付清債務, 你的孩子應該明白會有什麼限制接下來, 若你必須反對某些花費, 他們能夠比較了解為什麼單身人士可以尋求一位他信任的朋友或家人的意見, 幫助他們走過這設定目標的過程, 並且提供一些過程中的檢查身為單身者, 我發現我的父母有健全且符合聖經的財務建議, 而且我知道他們總是為我的最佳利益著想

2 冠冕成長網絡 --P.2- 寫下這個目標寫下你的目標, 並把它貼在一個明顯的地方一個書面的計畫提供一個可以看得見的努力方向這可以幫助你測量你的進展程度, 並使你不偏離軌道觀測你的進展並檢查每個項目是令人興奮且使人有動力的事我發現有一個像冠冕金錢地圖 (Crown Money Map ) 這樣的工具是使我能朝向目標不偏離的好方法我最近付清了唯一的債務 ( 汽車貸款 ) 現在我正朝向第四個目標 -- 存錢買房子把一個大目標拆成幾個你可以較快達成的較小目標, 這樣能夠使你不偏離軌道把你最後要達成的大目標之前的所有步驟寫下來接下來, 你應該設定一個時間表, 包括每個小目標的最後期限, 以及大目標的完成日期想想每一步驟要花多少時間完成, 或決定你想要在哪個日期完成目標, 然後再往前推算要練習有耐心因為可能需要一段時間才能達到目標不要氣餒! 不斷穩定地邁步向前殷勤籌劃的, 足致豐裕 ; 行事急躁的, 都必缺乏 ( 箴言 21 章 5 節 ) 精煉這個目標你可能會經歷挫折或干擾別放棄! 要有彈性並根據你當時的情況學習調整目標我本來沒有計畫要買一台新的洗衣機, 但當我的洗衣機突然壞了, 我也確知我有錢買一台新洗衣機, 我只是必須把本來想預先還清車貸的錢改用來買洗衣機但這沒什麼關係要開放你的計畫去跟隨上帝的引導常常為每一個目標禱告, 確保你走在正確的方向在每一個重大的生活改變事件後 -- 換工作買新屋孩子離開家孩子或孫子的出生等等 -- 就要重新評估你的目標, 調整目標, 讓這事件成為你增加新目標的機會

冠冕成長網絡 --P.3- 慶祝! 當你達成一個目標, 不論小或大, 一定要慶祝把這事件寫在你的進展表上, 並告訴別人你已達成目標這慶祝會使你有動力邁向下一個步驟或下一個目標 by Hope Welborn, Staff Writer I think all of us would agree that having goals is important.

3 冠冕成長網絡 --P.3- 慶祝! 當你達成一個目標, 不論小或大, 一定要慶祝把這事件寫在你的進展表上, 並告訴別人你已達成目標這慶祝會使你有動力邁向下一個步驟或下一個目標 by Hope Welborn, Staff Writer I think all of us would agree that having goals is important. We need something to work toward, some motivation that drives us forward. A goal is an assertion of what you want the future to look like. This principle certainly applies to our finances. Without a goal, financial planning loses its meaning. For Christians, the process of setting goals should include prayer, reading God s Word, and desiring a future that glorifies and honors our Lord. Proverbs 16:3 says, Commit your works to the Lord and your plans will be established (NASB). Our goals should come from the desires that God has placed in our hearts, according to the plans He has for our lives we want to align our goals with His! Define the goal. The first step in setting a goal is to clearly define it. Take a look at where you are now and where you want to be Be specific. Don t say, Get out of debt. Instead say, Pay off all credit card debt in two years. For a savings or giving goal, set a specific dollar amount or a percentage of income. Be realistic. Don t set a goal that is dependent on financial increases. Set the goal based on where you are now and what you can realistically do. If you do receive an increase, use it to reach your goal that much faster.

4 冠冕成長網絡 --P.4- Married couples should set their goals together and include their children as appropriate. For example, if your goal is to pay off a debt, your children should be aware of what that may entail. Then, if you must say no to spending on certain items, they can better understand the reasons why. Singles can consult a trusted friend or family member to help them with this process and to provide some progress checks along the way. As a single person, I have found that my parents have sound, biblical financial advice, and I know that they always have my best interests at heart. Chart the goal. Write down your goal and post it in a visible spot. A written plan provides a visible objective to work toward. It helps you measure your progress and stay on track. It is exciting and motivating to track your progress and check off items as you reach each goal. I have found that a tool like the Crown Money Map is a great way to keep track of my goals and progress. I recently paid off my only debt (a car loan), and now I m on Destination 4, saving for a house. Breaking a large goal down into smaller ones that you can reach in quicker intervals can help keep you on track. Write down all the steps you will need to take to ultimately reach your larger goal. Next, you should create a timeline, including deadlines for the small goals as well as the final end date for the large goal. Figure out how long it will take to reach each step or decide on the date when you want the goal to be reached and work backwards from there. Practice patience. It may take a while to reach your goal. Don t get discouraged! Keep plodding along steadily. The plans of the diligent lead surely to advantage, but everyone who is hasty comes surely to poverty (Proverbs 21:5 NASB). Refine the goal. You may experience setbacks or interruptions in your plans. Don't give up! Be flexible and learn to adjust your goals based on your current situation. I hadn t planned on buying a new washing machine, but when mine suddenly broke down, it was reassuring to know that I had the money to buy a new one. I just had to adjust the extra amount I was putting towards my

5 冠冕成長網絡 --P.5- car loan, but that was fine. Be open to God s leading. Pray over each goal often to ensure that you are moving in the right direction. After each major life changing event change of jobs, buying a new house, children leaving home, birth of children and/or grandchildren, and so on reevaluate your goals, adapt them, and use this as an opportunity to add new ones. Celebrate! Be sure to celebrate when you reach a goal, no matter whether it s small or large. Mark the event on your progress chart, and tell others about reaching the goal. The celebration will energize you to move on to the next step or to the next goal.

國立桃園高中96學年度新生始業輔導新生手冊目錄

國立桃園高中96學年度新生始業輔導新生手冊目錄彰化考區 104 年國中教育會考簡章簡章核定文號 : 彰化縣政府 104 年 01 月 27 日府教學字第 1040027611 號函中華民國 104 年 2 月 9 日彰化考區 104 年國中教育會考試務會編印主辦學校 : 國立鹿港高級中學地址 :50546 彰化縣鹿港鎮