We all have dreams and goals we want to achieve, some are far more realistic than others but if you don't actually put down the ground work you are never going to make any of them become a reality. Over the past few years I have narrowed things down to what I really want to get out of life and I having a real clear direction on where you want to go and visualising and what you need to do to get there is absolutely essential if its something you really want to do. Wether it be time spent travelling, a big purchase or a career change have a focus and try and not deter from that.
Three things I would like to achieve within the next 10 years are
1. Purchase a small rental property or Holiday bolt hole
2. Learn how to Sail
3. Buy a Camper Van
I have over the past two years been actively saving for the camper van - I had a one berth van before kids, I bought it in Glasgow and drove down through the Dales into Wales, past Snowdonia down to St Ives and Lands End in Cornwall and spent a summer camping besides lochs and later on beaches in the south before the gearbox fell through and it was just not finically viable to fix.
|My old one person van in Cornwall|
This time around I want to make a better investment, by a decent van that can accommodate all of us and see us through many summer adventures in the UK and further afield. I am almost there although as per usual something happens, such as the suspension going on our car this week, that throws a spanner in the works and then my savings pot get's eaten into. This year though is the year I am going to make it happen, I am determined.
In the run up to this I have been trying to make sure I have most things paid off, I no longer have any credit card debt and I am coming to the end of my student loan repayments. It's very important to make sure you are on top of things before committing any big purchases. I plan to buy the campervan in full although I know when it comes to making a rental property purchase, work will need to be done to that property and in that case I would be looking to take out a personal loan of a fairly small amount. I really like the idea of peer to peer lending which offers very competitive, easy to manage, low interest rate loans from companies such as Lending Works.
Whenever I feel like I am getting of track though I remind myself of my goals. I have put inspiration boards together, printed out photos , started to make plans and have gone through all the pro's and con's and I feel like laying down this ground work has made my dreams feel closer to reality.
What do you hope to achieve in the next few years?
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