Seven steps for financial planning
Before you can create a plan, you need to know what you're aiming for. You might be thinking of a long-term goal such as a comfortable retirement or dreaming of a short-term goal like buying a second house next year.
You may have your eye on a yacht, but when you start prioritising your goals you might realise that retirement or protecting your family are more pressing needs right now.
Now you have an idea of your goals, it's time to see how much money you have, including investments, assets and insurance policies. How much more do you need to fund your dreams?
Take out insurance to protect your family, or combine investments and savings to prepare for a comfortable retirement.
Once you've drawn up a plan, it's time to put it into action. Invest for the first time, buy much-needed insurance or save your excess cash this month.
Your goals will change as you get older, your income increases and your family grows. Every year you should reassess what's important to you and check that your current plan is helping you reach your goals.
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