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Financial planning Financial planning is vital to ensure you are making the most of your money. It can help you create a budget, save for retirement, and make intelligent investments. Everyone pays close attention to their finances. In creating a financial plan using specific parameters, all the components of financial planning are present!  Financial Planning Guidelines   Here are some guidelines to help you with your financial planning: Create a budget Developing a budget is an essential step in financial planning. By creating a budget, you can gain insight into how much money you're earning and spending each month and identify areas where you can save money. Calculate your total income and expenses each month to start creating a budget.  Income sources may include salary, investments, side hustles, and more. Track every penny you spend, including significant expenses like rent, car payments, and utilities. Once you have a complete list of your income and expenses, compa

What is the state of helplessness?   Feeling helpless is a normal emotion that can arise in trying times. It can be overwhelming and even disabling if it persists. Whenever catastrophe occurs, we often experience entirely helplessness. You may feel weak, paralyzed, or injured.  Learned helplessness is a state that develops after a person has repeatedly been exposed to a stressful scenario. People grow to believe they are powerless to influence or change the situation, so they don't try – even when opportunities for change arise. Thankfully, there are some basic measures you can take to help you control your emotions and lessen your sensation of helplessness and stress. 10 Tips for reducing feelings of helplessness 1. Embrace your emotions Allow yourself to feel what you are feeling without judgment or guilt. Acknowledging your feelings will help you to understand better and process them.  Accepting your feelings and allowing  yourself to experience them without judgment or gu