2. Ten tips to help you kick start your plans

4. 1. Identify your goals

5. 2. Know what you are worth

6. 3. Maintain a budget

7. 4. Keep debts down

8. 5. Stash some cash

9. 6. Save! Save! Save!

10. 7. Get yourself protected

11. 8. Plan your retirement

12. 9. Look to invest as it’s not just for the rich

13. 10. Spread the word