The answer is:
careful consideration of short-term goals
recording income and spending over the past year
creating a budget to consider future income and spending
learning about opportunity cost
You could include all goals that need less than 3 month to be actualized as Short-term goals . Recording income and spending allow you to make prediction of the amount of expenditures that you must pay for the following years. Opportunity cost would help you understand the things that you need to sacrifice in order to obtain maximum value in your life.