{"id":36675,"date":"2018-08-01T20:36:53","date_gmt":"2018-08-01T17:36:53","guid":{"rendered":"https:\/\/www.lifeadvancer.com\/?p=36675"},"modified":"2018-08-01T20:36:53","modified_gmt":"2018-08-01T17:36:53","slug":"techniques-personal-financial-planning","status":"publish","type":"post","link":"https:\/\/www.lifeadvancer.com\/techniques-personal-financial-planning\/","title":{"rendered":"4 Techniques for Personal Financial Planning to Manage Your Money Like a Pro"},"content":{"rendered":"<p>If someone had told me a few years ago that I\u2019d be doling out personal financial planning advice, I wouldn\u2019t have believed you. For as long as I can remember, I have been in debt. This is partly because I <a href=\"https:\/\/www.lifeadvancer.com\/how-to-manage-your-money\/\" target=\"_blank\" rel=\"noopener noreferrer\">manage on a very tight budget<\/a>. But also because, to me, financial planning is for those that actually <em>have<\/em> money. It\u2019s not for people like me, who struggle to make ends meet every month.<\/p>\n<blockquote><p><em>\u201cAnnual income twenty pounds, annual expenditure nineteen six, result &#8211; happiness. Annual income twenty pounds, annual expenditure twenty pounds six, result &#8211; misery.\u201d Mr. Micawber \u2013 David Copperfield<\/em><\/p><\/blockquote>\n<p>The thing is, that\u2019s exactly the type of people personal financial planning is for.<\/p>\n<p>A few years ago, I was in a dreadful state financially. I hadn\u2019t paid certain companies for over 12 months, I was in debt with all my utilities and worse, I hadn\u2019t spoken to anyone about it either.<\/p>\n<p>Then the rent was affected and this shocked me into action. Losing the roof over my head was the catalyst I needed to take a good look at where I was going wrong. So what was my problem? I wasn\u2019t doing anything about planning my personal finances. I had no idea what was coming in each month and what was going out. So, does this sound like you?<\/p>\n<h2>Do I need personal financial planning? Who can benefit from it?<\/h2>\n<ul>\n<li>Are you constantly overspending and in debt at the end of each month?<\/li>\n<li>Are you in debt and want to manage your money a little better?<\/li>\n<li>Would you like a simple <a href=\"https:\/\/www.lifeadvancer.com\/financial-planning-tips\/\" target=\"_blank\" rel=\"noopener noreferrer\">budgeting plan<\/a> so that you don\u2019t have to worry each month?<\/li>\n<li>Do you want to save some money for a holiday or Christmas?<\/li>\n<li>Do you struggle when you have a major bill to pay?<\/li>\n<\/ul>\n<h3>If you\u2019ve answered yes to any of the above, or indeed, if you have a different reason for managing your money, you will find the 4 techniques below.<\/h3>\n<p>But the first two things you need to do when it comes to personal financial planning are:<\/p>\n<ol>\n<li>Calculate exactly how much income you have every month<\/li>\n<li>Work out exactly what goes out every month, leaving nothing out.<\/li>\n<\/ol>\n<p>Once you know <a href=\"https:\/\/www.lifeadvancer.com\/financial-literacy\/\" target=\"_blank\" rel=\"noopener noreferrer\">where you are moneywise<\/a>, you\u2019re ready to start.<\/p>\n<h3>4 techniques for personal financial planning<\/h3>\n<h4>1. The budget for the year, not the month<\/h4>\n<p>This is especially good advice for people who struggle with major bills that come out of the blue. It\u2019s also good for anyone who wants to save a little towards a <a href=\"https:\/\/www.lifeadvancer.com\/cheap-holiday-destinations\/\" target=\"_blank\" rel=\"noopener noreferrer\">holiday<\/a> or a big spend towards the end of the year.<\/p>\n<p>Many people budget for the month. They\u2019ll include all the monthly bills such as mortgage\/rent, gas, electricity, water, TV, telephone, food, etc. Although this is a perfectly acceptable way of budgeting, and better than nothing, when a big bill comes the way you\u2019re not expecting it.<\/p>\n<p>I cannot tell you the times this has happened to me. Particularly as I drive a fairly old car, prone to failing its MOT. The trick to being ready for these horrible big bills is to budget for them in advance within your monthly expenditure.<\/p>\n<p>So, if like me, your car isn\u2019t the latest model, it\u2019s likely to need work during the year. By adding a tenner in your monthly budget for car maintenance at least part of the expense is covered.<\/p>\n<p>Likewise, this way of putting a small amount away each month also works if you want to save for a big spend like a holiday.<\/p>\n<h4>2. Main account\/spending account<\/h4>\n<p>This is how I manage my money. Clients pay me at various times of the month. This makes it really difficult to budget effectively. Nowadays I use one main account for all my clients. I have worked out what goes in and what comes out (<em>with a little float in case of emergencies<\/em>).<\/p>\n<p>At the end of the month, I know exactly what is left over and that amount gets paid into another account. That other account is my spending account. I know what I have in that account is all I have to spend for the month.\u00a0 I use my main account to pay my bills after my salaries have gone in.<\/p>\n<p>The main account is \u2018untouchable\u2019 for anything else apart from bills. Now from my spending account, I can budget for food, clothes and other \u2018luxuries\u2019!<\/p>\n<p>Compare this spending pattern to a few years ago. I would have no idea what was left over after my bills had been paid (<em>if there was money in the account to even pay them!<\/em>) I\u2019d also go food shopping not knowing how much I could spend. No wonder I was constantly in debt.<\/p>\n<h4>3. Piggy-banking Technique<\/h4>\n<p>This is almost the same as the main account\/spending account budgeting method but much more automated. Consider that your bank account only gives you a glimpse of what is going on for that particular day. It doesn\u2019t tell you about up and coming payments when debts are going out, and so on.<\/p>\n<p>To get a better picture of what your bank is actually telling you, try the piggy-bank technique.<\/p>\n<p>The idea is to have several accounts set up to pay your bills. These accounts are your \u2018piggybanks\u2019 and each month you \u2018feed\u2019 them with money from your main account.<\/p>\n<p><strong>Examples of bills accounts<\/strong>:<\/p>\n<ul>\n<li>Mortgage\/rent<\/li>\n<li>Utilities (gas, electricity, <a href=\"https:\/\/www.lifeadvancer.com\/how-to-save-water\/\" target=\"_blank\" rel=\"noopener noreferrer\">water<\/a>)<\/li>\n<li>Car (MOT, insurance, tax, repairs)<\/li>\n<li>Holidays<\/li>\n<li>Christmas<\/li>\n<li>Credit card bills\/loans<\/li>\n<li>Savings<\/li>\n<li>Spending money<\/li>\n<\/ul>\n<p>Your bills accounts might be different so adjust accordingly. Once you\u2019ve decided on your bill accounts you need to set up standing orders for each one. Work out how much money they will require and send over slightly more each month to avoid charges.<\/p>\n<p>Schedule payments to leave your main account a couple of days after you get paid. You will only need to check your account a few times a month because it is all automated. It\u2019s also much easier to see exactly how much you\u2019ve got to spend.<\/p>\n<h4>4. Jam Jar Technique<\/h4>\n<p>The jam jar technique is a great way of personal financial planning if you get paid in cash on a weekly basis. As always, start off with a clear picture of what your bills are and how much <a href=\"https:\/\/www.lifeadvancer.com\/make-money-online\/\" target=\"_blank\" rel=\"noopener noreferrer\">money<\/a> you have coming in. Then, using jam jars or other types of containers, write on the side what the bill is.<\/p>\n<p>You can also write how much that bill is each month. Then set up several jam jars for different bills and expenses and once you get paid, fill up your jam jars. When the time comes to pay your bill, take the money from the allocated jar to pay it.<\/p>\n<p>This is a clear and visual way of seeing exactly what money you\u2019ve got and what you haven\u2019t got.<\/p>\n<p>Do you have any personal financial planning techniques? We\u2019d love to hear them!<\/p>\n<p><strong>References<\/strong>:<\/p>\n<ol>\n<li><a href=\"https:\/\/www.loc.gov\/rr\/business\/assists\/financing.html\" target=\"_blank\" rel=\"noopener noreferrer\">https:\/\/www.loc.gov\/<\/a><\/li>\n<li><a href=\"https:\/\/www.moneyadviceservice.org.uk\/en\/articles\/managing-your-money-using-the-jam-jar-approach\" target=\"_blank\" rel=\"noopener noreferrer\">https:\/\/www.moneyadviceservice.org.uk\/<\/a><\/li>\n<\/ol>\n","protected":false},"excerpt":{"rendered":"<p>If someone had told me a few years ago that I\u2019d be doling out personal financial planning advice, I wouldn\u2019t have believed you. For as long as I can remember, I have been in debt. This is partly because I manage on a very tight budget. But also because, to me, financial planning is for [&hellip;]<\/p>\n","protected":false},"author":16,"featured_media":36769,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"","ocean_second_sidebar":"","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"","ocean_custom_header_template":"","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"","ocean_menu_typo_font_family":"","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"default","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"","osh_disable_topbar_sticky":"default","osh_disable_header_sticky":"default","osh_sticky_header_style":"default","osh_sticky_header_effect":"","osh_custom_sticky_logo":0,"osh_custom_retina_sticky_logo":0,"osh_custom_sticky_logo_height":0,"osh_background_color":"","osh_links_color":"","osh_links_hover_color":"","osh_links_active_color":"","osh_links_bg_color":"","osh_links_hover_bg_color":"","osh_links_active_bg_color":"","osh_menu_social_links_color":"","osh_menu_social_hover_links_color":"","ocean_post_oembed":"","ocean_post_self_hosted_media":"","ocean_post_video_embed":"","ocean_link_format":"","ocean_link_format_target":"self","ocean_quote_format":"","ocean_quote_format_link":"post","ocean_gallery_link_images":"on","ocean_gallery_id":[],"footnotes":""},"categories":[15,177],"tags":[374,422,423,424,307,425],"class_list":["post-36675","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-self-improvement","category-success-and-money","tag-budget","tag-finances","tag-income","tag-lifestyle","tag-money","tag-planning","entry","has-media"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Techniques for Personal Financial Planning and Money Management<\/title>\n<meta name=\"description\" content=\"You can greatly benefit from personal financial planning and learning to manage your money in a clever way. 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She has suffered from a panic disorder for over 30 years, which led her to an interest in human psychology. Looking to cure her own phobia prompted her to study and receive an Honours degree in Psychology with the Open University. Janey uses the experiences of her own anxiety to offer help and advice to others dealing with mental health issues. She has also published a psychological science-fiction novel \u201cThe Big Secret\u201d. To relax, Janey walks her dogs, reads true-life crime novels, and listens to music. 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