Financial Planning
Section I / Section II / Section III

Step Now … on the Ladder for Economic Security and Financial Independence

• You have started by investing in training, retraining, or college.
  
  
• Plan to meet goals and take action. Ask if what you are doing now fits into short and long-term goals. FAILING TO PLAN IS PLANNING TO FAIL
  
  
• Costs of delaying to take action or repositioning assets include loss of economic security, actual dollars that you could be earning, greater return or satisfaction from shifting to another plan, interest rate, etc.
  
  
• Create a spending and savings plan. Commit to maintaining the plan. Live within your means. Don't go crazy with credit. It will sting you and strangle you upon graduation rather than give you financial freedom.
  
  
• Save for emergencies, unexpected opportunities, and special goals, even as you are paying off your debts
  
  
• Save for emergencies, unexpected opportunities, and special goals, even as you are paying off your debts.
  
  
• Stop bad spending habits and start good savings habits.
  
  
• Have an efficient personal business and record keeping system.
  
  
• Address barriers and overcome them to reach your goals.
  
  
• Get advice, guidance and the tools to makes decisions and handle crises.