Financial is the one that will make my future either growing or stay as it is. What I need before doing my financial plan is the data which include current and future or expected spending and income required.
Planning start by consider cost generated by me, wife and my daughter. What's our daily, monthly and yearly activities. What we requied either a need or just good to have. Daily spending for food and other requied items for all of us. Plan for monthly spending and income as to ensure enough money available will improve my saving for future use. By controlling spending and control waste will improve my saving.
Manage my financial properly will in long term will improve my Financial KPI.....I think so.
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