Financial Planning may seem like a scary concept. It doesn’t have to be. You can begin with a basic financial plan and develop it as you go. As long as you start with a good foundation you will be able to add on to your basic money management house as your needs become more sophisticated.

It all starts with having a good understanding of the everyday numbers. Income and expenses. The other key piece to lay out is what you want to achieve. What are your financial goals? What is the time line associated with each goal? What will each cost and which one is top priority? This is the start of your financial plan. If you’re intimidated or overwhelmed, don’t let that prevent you from getting started. Dear Piggy Bank (www.dearpiggybank.com) is ready to help.