Putting it all together

Now you know where you are starting from, you can begin to consider where you want to go to. Remember, SMART planning means setting targets that are specific, measurable, achievable, realistic, and time-based. A useful starting point would be to refer back to the section on a lifetime of personal financial planning and create your own goals for the short term, medium term, and long term. Give yourself time to think about your goals. You might find that the list gets longer or shorter, but either way it will benefit from a few days