It might involve saving or investing to purchase something important to you, putting wills in place to protect loved ones, thinking about how your family will manage if your income falls or you become ill - it involves thinking about all of these things together i.e. your 'plan'. You can build a plan on your own, or if you would like some support, and your needs are more complex you might want the help of a financial planner.

You can start by working out your goals in life, short, medium and long term. Prioritise them, and think about the likely cost of those goals and when you will need the money, so you can start to plan your finances to work out how to achieve them. You will also have to plan for some of the hurdles you may have to overcome too. It’s about getting organised and being in control of your finances.