+ Do you know where your money is going?

1.  Know where your money is going. No one loves to live by a budget, but we think it's really important to establish good habits as part of a bigger financial plan.  Are you living within your means or building debt? Are you automating savings from excess income or not? Do you have a process for making big financial decisions, or do you tend to fly by the seat of your pants? Any good financial planner will want to have a clear understanding of monthly expenses and habits...or they are trying to sell you something.  So be sure you can ROUGHLY fill out a cashflow worksheet before soliciting help.

Here is a resource to help you with budgeting: Mint