The word financial planning has enormous meaning. Different people can interpret the same in different style. Proper financial planning has a simple meaning that a person must not run out of money whenever a present or future requirement occurring to him or family. In India, especially middle class families are not well conscious about the requirement of a good financial planning. This will put them in trouble with out of money in some circumstances once if they had enough money in their hand.
Accurate financial planning is not a single or simple process. Instead, it involves 3 major phases such as :
· Self Assessment,
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