Financial planning is a process of developing strategies to help citizens manage their finances objectively and consciously so that they can achieve the goals they have set for themselves. We know that it is not easy to manage finances, because like any individual we have the desire to consume and when we limit ourselves it is a great challenge, but in order for us to realize our ideals, financial planning is extremely important in our lives. 

There are a few stages that we must respect in order for our financial planning to be successful. These are

• Goals: Try to set goals for your financial development, as they are essential for your strategic planning. Goals help you stay focused and thus increase your motivation to achieve your goal.
• Budget: Set a monthly budget for fixed and emergency expenses.
• Investments: Whatever is left over from your expenses, try to invest it. There are many short-, medium- and long-term investments that will allow you to increase your investment.
• Control your spending: Know how to control your finances, assessing what you really need to consume before you go out and buy everything you want. Try to use your credit card conscientiously and if possible, don't have a credit card. If you need to buy something, assess the discount you can get if you buy it in cash, so you save money and don't get into debt.
• Financial education: This is very positive knowledge that enables each citizen to understand their finances in a balanced, objective and conscious way and thus know how to manage them, providing financial success. Financial success is very much related to your ability to know, organize and achieve goals. Financial education teaches you to understand that money cannot control your life, but rather you must know how to control it, so that you don't become a slave to money.

 
It's essential to understand that money is used to provide us with a better quality of life and it's not healthy to treat it as a source of superiority. Learn to question yourself about your real needs and if necessary, seek professional help if you feel financially out of control, as this will help you a lot.