1. Have a financial plan. The plan can be as simple as knowing your expenses, your income and what you plan to do with the difference. Knowing your net worth – your assets minus your liabilities – will give you a good snapshot of where you stand.
   
   
2. Have short- and long-term financial goals. Part of your plan should be goals that you hope to meet in the next three months to one year, and then longer term, like five to ten year goals and then 20-plus-year goals.
   
   
3. Take active steps to achieve your financial goals. Even small steps add up – the important thing is to do something! Working toward your goal could mean cutting out impulse purchases or putting aside $100 each month to build an emergency fund.
   
   
4. Take active steps to protect your family from financial misfortune. Plan for the unexpected. Three to six months salary in savings is a good rule of thumb. Also consider protecting your assets and income with insurance to protect you and your family in case of death, unexpected disability or chronic illness.
   
   
5. Pay off your credit cards every month and have good credit standing. Live within your means and eliminate debt on high-interest credit cards.
   
   
6. Spend within your budget. A simple idea that’s also difficult for many people to follow. With a plan and budget, you’ll know what to save for the future and what to spend today and remain in control. Knowing where your money is going on a daily basis can be helpful for setting a realistic budget.
   
   
7. Work with a financial professional. People who work with a financial professional are more satisfied with their financial progress and have higher assets. Find someone you trust that can assess your unique needs and offer a full range of financial solutions to meet those needs. We may be able to help; simply fill out our request for contact.
   
   

Ready to jump start your finances? Print the financial health checklist.