Borrow Smart, Repay Smart: Planning – Begin With The End In Mind

Dear Borrow Smart Family,

Fast forward in time to December 2020.

Imagine yourself sitting alone in your favorite thinking spot!

Looking back over the previous 11 months, what HAS to have happened for you to be happy with your progress in 2020?

We’ve all heard the advice from Stephen Covey, “Begin with the end in mind.” As you set aside time to think and plan for the rest of your 2020, I encourage you to take a different approach this time.

Write what you accomplished or made progress on in past tense as if it’s already happened.

  • What did you accomplish in 2020 that you are most proud of?
  • What personal goals did you achieve?
  • What business or professional goals did you accomplish?
  • How much time did you commit to your growth? Your health? Your family and friends?
  • What impact did you make on the lives of others?

This is extremely important. The mind struggles when trying to accomplish things it deems impossible or two far-fetched. But by describing things in past tense, as if you’ve already accomplished them, the mind begins to see your goals as realistic and achievable.

Start writing. But this time, write it as a summary of how great 2020 was for you; even if it takes extra time to focus on your silver linings. Many of us, have or know someone who has lost a job during this pandemic. Progress is made even amidst loss or setbacks. Be specific in describing all the areas you made progress in. Make it a year you will look back on, and be proud of your grit. Even better, describe a 2020 that others will be proud of.

I wish you all the best!

About Trevor Hammond

As a veteran of the mortgage industry, Trevor Hammond is the co-author of "Borrow Smart, Retire Rich," a Certified Mortgage Adviser and a founding Faculty Member and Contributor to the National Institute of Financial Education ( And he has provided thousands of homeowners with the clarity and confidence to make smarter decisions when it comes to their mortgages and money. In 2013 he launched an entirely new kind of mortgage company: Aspire Mortgage Group, which is committed to educating and empowering homeowners to increase savings, eliminate bad debt, and safely increase net worth. The specialized group of mortgage professionals at Aspire Mortgage Group have redefined what homeowners should expect from a mortgage company. To learn more about Trevor Hammond and our team of mortgage advisors please visit our website at or email Trevor directly: Aspire Mortgage is a Sierra Pacific Mortgage Partner.
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