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As you can see from this illustration, financial planning is an ongoing process. At different times in your life your process may be different. Students need different plans than retirees for example.

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Not only do you need money for day to day expenses, you need an amount set aside in order to cover costs if you find yourself without an income. For most people it means having a "safety net" of money to cover your basic bills for two months.

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This is the best resource I have ever found to help budget, save and invest money. Her books are fantastic, and she even offers budget worksheets on her website. Personally,  just finishes reading her book for teaching kids about money and am applying it to my own son. He is thrilled with the idea of money jars and loving saving for something big. I really can't say enough about Gail and her website. It literally has saved me from bankrupsy.

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I swear by this TV show, Till Debt Do Us Part. The host is a money managing guru. Each episode centers on a Canadian family who is struggling to pay the bills. She helps them by getting them to figure out how much they really owe, then making a plan for how to pay it down and still live. She also had at least ne other show, Princess, where she took young women's credit cards and made them not rely on their parents for money.

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This video quickly shows the different ways of investing. She covers stocks, bonds, index funds, mutual funds, and alternative investments such as gold. While it is a bit older, it still works well for today. Investing is something that can help, but you have to be willing to know if you want to play it safe, or are willing to risk some money to go for a chance of making a lot.

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This is a short video done by a Canadian single mother, explaining her way of being able to save. She uses different bank accounts to direct where her money goes, and uses an account that is hard to access for her savings. In this way, she is able to put a percentage of her income aside. She gives the suggestion that if you only have one income, place it all in the savings, and go transfer what you need to the other accounts.

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This website has a few different budgets to download and use. It even has one for figuring out your holiday spending! In order to not worry in times you are without your usual income, having a budget in place helps, it can show you how much you will need to survive a month or two. It can also show where you can cut out extra costs.

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A great way to start saving is to label jars and put money aside each week. With clear jars you can see how quickly that pare change adds up. The trick is not to remove the money.

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This is a free online tool to help determine the amount of money you will need monthly. While this may be good for students, at some point graduation happens and then you need to move onto a more realistic budget when you finally get that job. CIBC is a decent Canadian company and offers help to students in more ways than this. However, things like student credit cards should be carefully monitored if they offer them to you.

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Get a better understanding of your student finances by creating a budget. It’s a simple first step on your journey in post-secondary education.

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Hopefully this will help you to start to work on your own savings now, so you won't have to live in a box at 68.