How to create a financial plan and budget for beginners. Setting your financial goals, whether they are short term or long term is the first step. Personal finance is more than just budgeting, or money management - it's about living life on your terms! To achieve financial freedom, you need to know what that is and create a financial plan that reflects this. Whether you want to live a debt free life, or start investing money you need to write it down and come up with a plan #financialplan
