If you’re a person who has goals that require money to achieve, if you’re someone who wants greater control over your finances or your spending habits, or if you just want a clearer idea of where your hard-earned money is going every month, then you could realty benefit from a spending plan.
A spending plan is a clearly articulated gameplan for how you intend to allocate the money coming into your household to cover nondiscretionary items(needs, such as food, shelter and a retirement nest egg) and discretionary items (wants, such as vacations, eating out and luxury goods).
Getting a spending plan is the easy part. Simply visit www.PlannerSearch.org, the Financial Planning Association’s searchable national database of personal finance experts, to find a financial professional in your area who can help devise such a plan for you.
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