What are my long-term goals and aspirations?
The things you want usually need money, so it’s important to think about how much you’ll need and how you can get it.
To help you take control of your spending, so you can achieve your goals, it’s useful to make a budget. To work out how much money you have coming in and what you’re spending it on, use our free and easy-to-use Budget Planner.
Are there any immediate problems I need to get to grips with?
Are you worried you have debt or might get into debt? Are you concerned your money worries are affecting your mental health? Or worried about your relationships? There are things you can do before you talk to your loved ones.