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Do I need a financial plan?

Here is a quick (but far from comprehensive) checklist of some issues to address for just such a plan. Tick the 'Yes' or 'No' boxes.

Do I have a written budget for my income and expenditure that allows for a surplus and saving for future purchase goals?
Yes
No

Do I manage mortgages, credit cards, hire purchases and any other debt to ensure that I minimise interest charges?
Yes
No

Do I have adequate insurance to cover the surviving partner and children in the event of death or long-term disability?
Yes
No

Are my home, contents and car all insured for FULL replacement and do I review these annually?
Yes
No

Do I have a clear idea of the amount of money I will need to have by the time I retire - and a plan to achieve it?
Yes
No

Do I have my investments well balanced and diversified and a clear strategy for growth?
Yes
No

Do I have my will up to date and have I looked seriously at options such as family trusts and enduring powers of attorney?
Yes
No

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So how do you get your
financial life in order?

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