2021 Goal Setting with Me | Finances, Career + Wellness!
Hey guys, it's Joi here, and today we will dive deep into goal setting for the new year. I'm so excited to partner with Capital One on this video to show you how I set my goals for the new year, tips on achieving your goals, and finally revealing my vision board for 2021. Ahead of 2021, I hosted a vision board workshop for Capital One during their gold medal goals event, which I hosted with Simone Biles and Katie Ledecky. We helped everyone who attended build their vision boards and set their goals for 2021. And it was an awesome event. Today, I'm going to break down my best tips for achieving your goals and the three main areas that
I like to set goals in which are finance, career, and self-care.
Before we begin, leave a comment down below with one goal you want to achieve in 2021. I love to see what you're working on for this year. The first thing that we're going to talk about is goal setting 101. Many people set goals for the new year, but they don't know how to check those things off their list and say that they accomplish those things at the end of the year. I will tell you the strategy that I use to make sure that I achieved my goals and how I check those things off of my to-do list throughout the year.
The first step I like to do is visualize those goals that I want to achieve. Visualization is important because it helps you see yourself in the future and helps you visualize those steps to getting there. To visualize, I like making a vision board. You can practice visualization by making a vision board or taking pen to paper and writing down your goals. Just make some physical form of those goals rather than it just being up in your head. Now that you have a list of the goals you want to achieve, choose one goal and break that yearly goal into four quarters. So think about what things you have to finish in each quarter of the year to help you build up to reaching that goal. After you have those quarterly goals, break them down into monthly goals and even weekly goals. Think about what you have to do in the upcoming weeks to make progress toward reaching your goal.
Once you have all those checkpoints listed out, I would even go as far as adding them to a calendar. Whether you use a digital calendar or a physical planner, add those goal checkpoints to your planner. For example, if you want to save $1,000 you can break it down by saving $250 each quarter. And when you check your calendar at the end of each quarter, you can compare that checkpoint to what you've done. Once you have your goal-setting strategy in place, it's now time to think more about the different areas in your life that you want to set goals. A starting point for me is splitting mine between financial career and wellness goals.
Financial Goals
The first category I set goals in was my finances. I went through many different things in the past couple of years, like being a college student, graduating, and living in my apartment while paying for bills. As a recent graduate, I want to maximize my 20's to build a great financial foundation for the future. My 2021 finance goals are to maintain a positive credit score as well as continue saving money. I spent the last few years of the college unit building my credit, and now that I got it to somewhere that I like, I want to continue maintaining a positive credit score with all the new expenses that I have.
Just know that multiple factors determine a positive credit score. If you want to learn more, you can check out Capital One's financial literacy hub. It's called learn and grow, and it includes helpful information and guidance on questions you might have, like a good credit score. I've included a link in the video description where you can find out more. If you decide you're ready for a credit card, you might consider the journey student credit card from Capital One. The card offers 1% cash back on every purchase every day. If you find yourself spending money on streaming services, you might find this card even more useful because new cardholders can earn a $60 statement credit towards more than 25 streaming services of their choice when paying on time. I also want to continue saving more than 20% of my income each month. If you are setting goals surrounding your savings, here are a few tips or questions that you can ask yourself to get started. What is the reason that you're saving? What is the motivation? How much extra income do you have a month to save? And also, how can you automate those savings every paycheck or every time that you get paid. These are the things that I'm thinking about to make sure that I'm continuing to save every day, week, month, quarter, and year.
Career and Educational Goals
The second categories that I like to set are career and educational goals. My goal is to continue leaning on mentors as I did in college to advance my career and personal life. For example, I currently have a business coach who helps me navigate building my haircare brand Joiful Bee. When setting goals around your career, think about who and what resources can help you get to where you want to go. This might include a professor at your university, a community leader, or even a book or course. I highly encourage you to check out Capital One's first-gen focus program for those of you that are currently first-year and first-generation college students. It is dedicated to supporting students like you financially, educationally, and emotionally as you navigate the new virtual campus environment. To learn about the program and see if you qualify, check out the link in the video description below.
Self-Care Goals
The third and final category that I like to set goals for is personal care, including self-care and physical health. One of my goals is to attend therapy every month and stay active throughout the week. Also, I'm working on eating a majority vegetarian diet. When I was in college, I was vegetarian, and I fell off after I studied abroad my junior year and once I moved and started cooking for myself. Another goal I have is to maximize relaxation time when I'm not working. For example, I like watching my favorite shows, like Bridgerton and Queens Gambit. If you're like me and love using streaming for self-care, you would love that Capital One is letting new journey student credit cardholders access a new $60 streaming benefit when paying on time. In addition to catching up on your favorite shows, make sure you're maximizing other forms of self-care that are accessible to you. This might include reading a book, journaling, or exercising regularly. The most important thing is that you do something that fits your lifestyle and your needs.
Now that you know the three main categories that I like to set my goals in, I wanted to reveal the 2021 vision board I created during the Capital One gold medal goals event. So this is my vision board. I organized it with things including self-care, fitness, and financial goals. And I also included some purses that I want to get this year because I love a good bag. I hope that this gives you some inspiration when making your vision board and splitting things between financial, personal, and career goals. I hope this video helps you be successful in 2021. Thanks to partners like Capital One, who are giving back to first-generation college students. I can bring videos like this to you guys. Make sure you check out the links in the description below to learn more about Capital One resources that are available to you, like the Capital One student credit card and the first-gen focus program. You can also learn about Capital One's financial literacy hub called to learn and grow. If you enjoyed today's video, leave a comment down below let me know one thing you plan to implement into your 2021 goal-setting strategy and if you're going to make a vision board. I'll talk to you next time. Bye!
