well a version of this method...essentially I take the big goal and break it into smaller goals. and put time lines on those. for example.

2015: Finish my novel

Tasks to complete:
*outline
*synosis
*character breakdown
*chapter breakdown
*write chapters (each chapter is a goal)
*once finished, read and edit
*corrections

etc etc. then i put a timeline on each of those things. so if I say I have a month to finish the outline, if I finish it in two weeks, then those two weeks give me a jumpstart on the next goal.

its just makes you feel like you're doing more than just having a big goal like "Fix my credit" and are going everywhere to do it. when you can break it down to '

*request credit report from agency
*review, highlight discrepancies
*write letters

blah blah blah. people say it's not organic but for ppl who have procrastination or attention issues, it makes things *seem* easier to complete because it's more specific.