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One way to always be ready for the unexpected is to have an emergency fund

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Remember there will be unplanned life events (layoffs, divorce,

extended illnesses, accidents) that could hinder you from

reaching your goals

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What to include in your personal financial plan:

1. ways your income can be increased to attain goals.

2. a scenario about your own financial life in five or ten years.

3. a list of your goals, your monthly and annual budget, and an

outline of your saving and investment strategies.

4. also consider including a statement of net worth, and your

income and expense records

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1.Identify your Goals
2.Make a plan
3.Start Saving