By knowing oneself better, and humbly admitting shortcomings and realizing talents and skills, one can estimate his or her own capability or capacity, which, in the long run, would be helpful in other and various aspects of life. Another, goal setting would give you something to measure your progress and would facilitate in evaluating whether you are close or are far from getting or achieving your ultimate target. You re planning to organize a blessing for your house in a three months time, and yet six months at the very least, will be needed to finish your new home. REALISM is the fourth letter of smart planning. To be realistic is to be honest with yourself, particularly in your ability to carry out the project, or some other goal. Thus, financial difficulties and issues make up the challenges that directly hinder peaceful and happy existence of mankind in the face of the planet. Thus, the ability, skill and talent to manage the financial aspects of one s life is very essential and helpful in the context of the contemporary times. People, for most of the time, are in need of something to arrange their frames of mind. A goal setting worksheet is exactly created for this particular and immediate need. Moreover, in this time where there are lots of stimuli or disturbances in people's concentrations, it is very easy to get lost even in the jungle of their own thoughts -- even during their planning exercises. Goals that are set by athletes provide them direction, and motivation fills it up with fuel to keep everything---the mind, the body, the determination---going on and on. Motivation is what keeps athletes going and keep on striving, while goals, set through goal setting activities, put up targets and direction to help monitor and gauge the efforts and initiatives. Suddenly at loss what to do with your life, you often ask how to put some direction to it. Or perhaps, all of sudden, you're questioning the very purpose of your life. When this happens, it might be because you failed to set a personal goal for your general guidance. Without a clear-cut personal goal, you will feel adrift in an endless sea, undecided on what to do with your talents and other gifts.