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2013 review can form basis for your New Year plan

The day after tomorrow will mark the end of 2013 and the New Year will come in. At the beginning of every year, people set targets such as faster job promotion, a salary increase, car purchase, marriage, build house, spend more time with family and so on, all to be accomplished within the year.
While it’s good to set your goals for the New Year, it is also good to review or reappraise your performance in terms of goal accomplishment.
It is not always possible to achieve 100 percent of target. More so, the period under review witnessed some economic difficulties. This impacted negatively on personal finance of most people as well as fiscal plans of most organisation.
This could be evidenced from people spending less during the festive period. Also exchange of gifts that usually mark the Christmas/New Year was very poor. Worse still, some companies were unable to pay their workers salary as at when due.
However, for your unaccomplished targets, experts recommend that it could form the basis for your New Year plans.
An economist based in Lagos said he set some spiritual and physical goals at the beginning of this year. He was able to achieve part of his set goals and was ready to carry the rest to the next year’s plan.
“I set certain spiritual objectives at the beginning of the year, to get closer to God and to do certain things for God so that I can justify my spiritual being.
Similarly, I also have some family plans where I would like my family to get to in terms of income plans. I have partly achieved some of them. Like I said, I review my plans at the end of each year and that forms the basis for the next year plan,” he said.
He likened personal finance end of year review to business organisation where you may want to achieve a turnover growth of say 50 percent. At the end of the year, you appraise yourself to know whether you have achieved part of it and find out why the remaining was not attained, you go back to your drawing board and that will form the  basis for your planning for the New Year.
Talking about spiritual targets, he achieved much more than he set to accomplish this year. But in terms of physical or business plans he said, “The economic situation has not been easy for everybody. And with the current financial crisis, people are buying less than what they want to buy.
“The purchasing power is also less. As a salaried worker, I also found out that most of the things that my company wanted to do for us in terms of emoluments were not forth coming because there were no sales.
You can see that if the larger organisation you work for has not achieve its own target, how much more you. So in as much as that is concern, we just want to say thank God for another year that has come, we have tried, we have seen, we have conquered the ones we could conquer and we are reviewing on the drawing board for the perspective for the future.
We trust that next year, we will be able to use this year’s experience to make ourselves better.”

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