Actually, the financial plan is not as difficult as imagined. The most (probably) makes it difficult is started. It's hard in the beginning, but in the longer financial planning activities will be used. They think financial planning is only suitable for the rich. There is also a saying that the only people who are experiencing financial problems that must be strictly financial plan.
Recording expenses (income as well) for a month can be a beginning for financial planning. In this note, it is known how much money should be set aside for investment.
It should be emphasized before that to fund this investment, I suggest in savings or other investment products. May also be in the form of insurance, but rarely recommended. Investments generated by insurance will not be bigger than the savings.
Before investing, I suggest to have an emergency fund. Calculations about 3-6 months of your monthly expenses. This amount is based on the function of the emergency fund to function in case a major source of income suddenly stopped, for example, suddenly stopped working. Usually someone new can get a new job after 3-6 months of unemployment.
Regarding the comparison of large investment expenditures (also for the lifestyle), I gave a figure of 35% for investment and 65% for expenditures. The assumption is the basis of human needs is usually about 65% of the total salary. Than 35% of the investment, about 10% prioritized for savings. The amount could have been higher if the funds are for routine needs is more than enough.
The above figure can still be adjusted. Moreover, it is a minimum figure. When it felt to have income far above the pretty, the percentage can be reversed, 35% for routine expenses and 65% for investment (including debts).
With it determines financial planning, the following percentages, then I expect the participants to be more aware of their needs and their future risk will probably occur. It comes a mindset, "If he does not want (financial plan), he will sacrifice a lot of things."