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Financial planning is the process of seeking to meet your life goals through the proper management of your finances. Financial planning helps you make advance provision for financial needs that will arise in the future. The objective of financial planning is to ensure that the right amount of money is available in the right hands at the right

It is hard to apply a rule of thumb toward savings, because it varies with age and income level. Ten percent is a good start. If you find that is too high for you, don't let that deter you. You can start by putting a little aside each month and then slowly increasing it.

A financial plan should include a review of your net worth, goals and objectives, investment portfolio, cash flow, investments, retirement planning, tax planning and insurance needs, as well as a plan for implementing your goals.

When you add milk to your tea, it dilutes the lemon tea's benefits. To keep your tea calorie free, skip the honey or the sugar and drink it plain. Aim to drink at least one, or if you can manage, two cups of lemon tea every day. Lemon tea weight reduction benefits are surplus and has no side effects.

Cooking at home, buying healthy foods in bulk, eating small portions 5 to 6 times a day, and creating your own exercise routine instead of hitting the gym can help you get fit on a budget.

Financial planning provides direction and meaning to your financial decisions. It allows you to understand how each financial decision you make affects other areas of your finances. For example, buying a particular investment product might help you save adequately to finance your child's higher education or it may provide enough for a comfortable r