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Baden Powell’s ideology of 5Ps, Prior, Planning, Prevent, Poor and Performance has given a lot of positive outcome towards our current issues in life. As when we try to figure out where we will end up in the future years, this ideology goes to work. Knowingly, before we can set out a plan, we need to know where we want to end up. What position do we want to be in later in life? Do we have a 5 year, 10 year, and 20 year plan? What position do we want to be in when we retire? For that matter, when do we want to retire?
Having a financial plan also helps us manage our money better and actually helps us make it stretch to achieve all the things we want in life. Financial planning helps us know where our money goes and how to keep money in our pocket or account for longer. We know what we want our money to do for us because we have taken the time to work it out in advance. Prior planning means that we avoid unnecessary and reckless spending on things we don’t really need. (Haven’t we all done that at some time?) We will know how much we can spend at any time and what our credit limits as to prevent shortage of money before we get to the end of the month. In conjunction with financial planning, there a few steps need to be taken in awareness. The first step is to work out what we want, what is important to us and what we want our financial future to look like. Investigate our personal values – those beliefs that we have about what is right and good. Most people make their decisions based on what they value. Sit down with our partner and determine our mutual values and how our differences could impact our financial future. This step alone will help to avoid many of the arguments couples have over money in the future.
If we find it hard to work out our values and beliefs, consider some aspects of life like savings, education, family, vacations, health, success,

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