I have found that in relation to achieving your goal as you envision your future, a pocket calendar gives you an organized display of how you will achieve your goals one day at a time by doing one little thing each day that will get you closer to achieve your goals.
In my calendar, I also make sure I jot down on specified dates my financial obligations for the month so I won't miss a payment.
So whether it be as simple as a christening of a friend's son or going to a doctor's appointment, a pocket calendar helps you to be organized and up on your toes most of the time.