Read a bit, listen to what your inner circle has to say about their advisors, select a couple and interview them! Yes, interview, you are hiring someone to help you manage your money…not waste it! You can squander it perfectly well by yourself! Interview a couple of advisors, then hire the one who YOU believe will do the best job for you and your family!

Be prepared to tighten your belt, pay off unnecessary debts and to start to build your finances! Planning for the future does not mean you cannot set up a special savings account for that expensive splurge you are dreaming of!!! :D Save 10% for the future, paying yourself first, then dump 2% or whatever you can live without, into the “splurge account”. When you feel like letting go, check to see if you can ‘afford’ to! Is the “splurge” account big enough???

You will have to learn to control the “instant gratification” urge that commercials on TV feed into! It’s hard, but when you do, it’s great to finally go get that purse or other item for someone special! It will feel good too!

Good luck!