Personal financial planning revolves around goals. Consider what you want your lifestyle to be like in the present, near future and distant future, then create an outline of your goals that is comprehensive enough to cover every facet of your life: You may find that your short-, intermediate-, and long-term goals build upon each other — saving $100 a month, for example, toward a house fund may lead toward your long-term goal of purchasing a home. Make sure your goals are Specific, Measurable, Attainable, Realistic, and Time-based.  Doing so will ensure your goals can move past the "dream" stage into actual implementation. How do you feel about money, and why?  Why is money important to you?  Answering these questions will help you formulate your financial goals.  You may find, for example, that money is important to you because you want to have time and resources to pursue your dream of international travel.  Knowing this about yourself will help you develop and prioritize your goals. If you have a partner or a family, make your "personal" financial plan a "family" plan.  Doing so will ensure that you share your values and goals with each other and make financial decisions with these shared ideas in mind.  You may find that your priorities differ.  Engage in careful discussion to reach agreement on compromises that will help you both feel comfortable with your financial future. Recognize that some people are more financially minded than others.  Determine who will be in charge of a household budget, or consider ways to provide for each partner's need to feel some degree of control. A goal of backpacking through Europe, for example, might not initially seem financial, but you'll need to acquire resources to make such a trip possible.  Intellectual goals might include furthering your education, participating in leadership retreats, sending your children to college and attending seminars. Think carefully about the ways in which you plan to produce income, whether this involves continuing or advancing in your current line of work or switching careers altogether. Lifestyle goals encompass the things you do for fun and entertainment, as well as the things you feel are necessary to the quality of life for which you aim. Residence goals might include renting, purchasing a home, or relocation. Consider the lifestyle you want when you retire, and set personal financial planning goals that will provide for a retirement that meets your standards.
ضع أهدافًا قصيرة الأجل ومتوسطة الأجل وطويلة الأجل. استخدم  طريقة وضع الأهداف الذكية. فكر في القيمة المالية. تحدث مع عائلتك. فكر في جميع أهدافك.