What’s one of the scariest things in life? Some people would say getting into trouble with the police would be scary because having a criminal record can seriously affect your life. Others would say getting dumped by their partner would be scary because they wouldn’t know what to do afterwards. Some even fear death which is a completely understandable and very worrying problem.
It’s Time to Stop Ignoring the Future and Start Planning For Your Future
However, these three examples are all linked to one thing that we are all inherently afraid of without even knowing it: the future. The uncertainty of the future and how random it can be is what scares most of us, and it’s that feeling of being lost and at the mercy of the future that can really put us off and make us feel depressed or frustrated.
But that’s what planning is for. Whether or not you like it, planning for the future is an essential thing in life. We all do it instinctively too. We save money for future purposes, we work hard at our job to secure our income and we learn things to prepare for the future. With a little planning and hard work, we can completely erase that inherent fear we have of the future and take control. After reading through this article, you’ll have all the knowledge you need to command your future and control it in the way you want to. It’s time to stop ignoring the future and start planning.
Write down a list of life goals
It could be anything. A bucket list of locations you want to visit, activities you want to participate in or even people you want to meet. Make a list of goals that you are really passionate about and have a reasonable chance of reaching. Don’t write something down like “I want to be an astronaut” if you’ve not had any training or study relating to it, but you can write something like “I want to go to space” because there are plans for commercial space travel.
Your life goals should encompass what you love. Don’t make it a list of things that other people do and don’t let your friends or family sway your opinion. Write down things that you personally love and chase those goals with all your might. Some goals might require a bit of study or getting documentation. For instance, maybe you want to visit The Great Wall of China, but you might need to plan ahead for a visa if your country requires one to visit.
Don’t ignore the inevitable things in life
This will be a short section due to how unpleasant this topic is, but we need to mention death. It could be a family member, a spouse or even you—death will eventually come to us all and we have to plan around it. Make sure you have life insurance and that you’re making regular payments, and ensure that you have written down a will once your health starts to degrade. You could pass at any moment, so you always need to prepare for that sudden loss. It might also be worth contacting someone like a Teck Hin Undertaker. They’ll be able to provide you with advice so that you can plan ahead and cover things such as funeral costs.
But let’s talk about something more pleasant: extending life. If you don’t want to pass away prematurely, then make sure you’re eating healthily, exercising regularly and making frequent appointments to visit your doctor. Your health is incredibly important and it should be something that you focus a lot of time and attention to.
Planning for children
A lot of people don’t realise the financial and psychological implications that starting a family can have. Not only do you need to worry about the child’s well-being and adding another person to your family, but you also need to plan your house around the new arrival. For instance, you might end up building a nursery, you might have to move into a larger home, and you might even need to change your jobs for the sake of your children.
We all make sacrifices in life and having a child is no different. You’ll need to give up a lot of your time in order to take care of your children, and that requires not only a lot of motivation and willpower, but also money and time. If you plan to have children in the future, remember to read up a lot about what it’s like to have children and ensure that you are financially stable before you bring a new life into the world.
Buying a home
Perhaps you’re currently living in a rented home or maybe you’re still living with friends or family members. Whatever the situation, you’ve probably thought about moving out and getting you own place. This is completely normal and everyone wants to spread their wings now and then to gain privacy and independence. Unfortunately, a house is probably one of the most expensive investments we’ll ever make in life.
Not only do you have to worry about mortgage payments, but you also need to think about maintenance and repair costs. If you want to have a life for home, you’ll need to pour a lot of money into keeping it operational and repairing anything that’s broken. You also need to constantly upgrade your home to keep the technology up to date. Things like security systems, the boiler and kitchen appliances all need to be replaced sooner or later, adding to the overall cost of your home. If you’re not financially ready to purchase a home, then it’s time to start planning ahead and saving money.
Saving money for a purpose
You might be saving money for something like a holiday or perhaps you plan to invest in something more long-term such as a retirement fund. Maybe you want to save money for your child’s college tuition, or perhaps you just need an emergency stash of money for the future. Whatever it is, make sure you have a plan for your money. You should never be saving money that has no purpose. If that money can be used immediately, then it should be used so that it can improve your quality of life. Yes, even something like buying a slightly more expensive meal or treating yourself to a pampering session at a spa is considered a productive use of money.
What’s unproductive is actually holding onto the money and not giving it a purpose. It’s understandable that you want to save money and keep it in an emergency fund, but let’s be real: how much money do you even need in an emergency? Set a limit to how much you want to contribute to an emergency fund and make sure you plan out every single expense you have. Give your money a purpose so that it can improve your quality of life, not reduce it!
Planning is just half of the task, the other half is in how you actually achieve those goals. If you’re serious about achieving something, then make sure that you’re actively working towards it. For instance, if you have a life goal to achieve a certain rank at your job or get involved with a career, then you need to understand what you have to sacrifice in order to get there. If it means studying at a prestigious school in a far away town, then it could mean leaving your friends or seeing them less often. If it means starting a family with a partner you met in another country, then it could mean leaving your friends and family back at home.
Whatever sacrifices or difficult decisions you have to make in your life, don’t neglect their importance. You have to correctly balance your personal life and your career, but the right amount of each depends on what exactly you want to have in life. If you prefer to be happy and don’t care much about your income or your career, then focus more on your personal life. However, if you want to make it big, become famous or have goals of becoming an entrepreneur, then it’s a lonely road and you need to learn to spend less time with your friends and more time working on your ideas.
Keep on dreaming
The future is ultimately whatever we make of it. If you aren’t dreaming about the future and planning your next move, then you’re not making the most of your time. Plan something spectacular, something wonderful or even something daring to do in life. However, do it in moderation and remember that you also have responsibilities to take care of. Without a bit of spice, our lives would be dull and we’d live it full of regret. Don’t live your life wishing you could’ve done something more, get out there and achieve your goals and dream up new ones once you’ve reached them. Make it a habit of ticking off things on your bucket list every few weeks and keep adding new things. Keep planning for the future and don’t ignore the wonderful life that you’ve been given.