The Journey Planner is your roadmap to achieve personal finance success. It provides a structured pathway detailing where to begin and end when it comes to organising your money and finances. Ultimately it is a tool to motivate and assist you to achieve whatever financial goals you set for yourself. 

Effectively, it provides the framework to complete your own financial “health-check”.

Over the many years I have worked within the financial industry and managed my own affairs, I never found a simple process to guide someone, no matter their level of financial knowledge, how to successfully manage their own money and finances. This is what the Journey Planner aims to achieve.

It was created and designed by the writer of this article (David Sanders) and is unique to masterMONEYsimply.

The purpose of the Journey Planner process is to encourage and assist you to conduct a review of your personal finances on your own; to be your own DIY advisor. Alongside it, I also offer private and group coaching to help those that prefer to be assisted, and motivated to complete the process. The Journey Planner and coaching guides you to make your own decisions, it is not intended as personal advice.

Alternatively, it can be used as a support tool when utilising the services of a financial advisor.

Completing the Journey Planner can help anyone achieve their personal financial goals.

There are 8 key elements or steps to the Journey Planner:

1. Organising your paperwork and record keeping
2. The Budget Planner
3. Emergency Reserve
4. Life & Protection Insurances
5. Wills
6. The “My Money Fact Finder”
7. Pensions for retirement
8. Savings and Investments

It is recommended for you to complete the whole 8 steps before making any active financial decisions. The decisions you make must be relevant to helping you achieve your personal financial goals.

The Journey Planner process should be completed at a minimum, once every year.

The benefits of working through the Journey Planner include, to:

• Protect your loved ones
• Reach your retirement dreams
• Save and grow your money
• Fund your children’s education
• Feel in complete financial control
• Become tax efficient and grow your wealth
• Become organised and motivated
• Plan and reach your personal financial goals
• Have a “birds-eye” view of all your finances

As already mentioned, you can complete the Journey Planner process on your own as a DIY financial planner, or request for personalised coaching to support you complete the process. You can use this link to start your journey with me.

I look forward to hearing about your progress completing the Journey Planner and sharing your stories.

To your personal and financial successes!

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It can be difficult knowing exactly where to begin… pensions, savings accounts, protection planning, or maybe an ISA? And are you confused by all the financial jargon?

If this is you, fear not, because I’ve designed a simple process that anyone can follow, no matter how basic your level of financial knowledge.

It’s important getting the process right. It’s no good ploughing all your money into a pension if in a few months you need that money to fund an emergency or a deposit on a house. Equally it might not be such a clever idea to invest in a tax-exempt savings account (ISA) if you are a non-tax payer.

Perhaps your priority is to protect the family in case of a sudden long term illness, loss of job, or worse death, in which case you might consider it best to start with protection insurances; but maybe you already have appropriate cover from your employer’s benefits but were not aware of them.

What if you need money for a sudden emergency and you don’t have it, isn’t it better to start by building up an emergency reserve fund for such instances?

What about all those existing policies you have – work and private pensions, and other paperwork? Is everything nicely organised or an unmitigated mess?

It doesn’t need to be dull or time consuming

It is this type of confusion that I’ve addressed with my unique “Journey Planner”. A simple 8 steps process. Managing your personal finances does not need to be dull or time consuming.

Working your way along the Journey Planner map is exciting. You gain a sense of pride and satisfaction knowing that you have your financial house in order.

Make it fun

Let the Journey Planner take you along a logical start to end, make it fun moving from Point A to B. In next to no time you will be fully in charge of your finances and start to reap the benefits it brings.

Why complete the Journey Planner? Here are just a few of the reasons for you to complete the Journey Planner pathway.

1. Have clarity about your overall financial health
2. Satisfaction of knowing you have a plan for total financial security
3. Gain peace of mind from being in control of your money
4. Optimise your finances and taxes
5. Gain motivation to reach your goals and achieve financial freedom.
6. Protect your family and loved ones as you would wish
7. Become educated to be your own trusted financial advisor
8. Increase your financial competence and happiness
9. Clear your head from financial worry
10. Have more money to do the things you really want to do in your life
11. Spend less time financial planning and more on the things you love
12. Safeguard your future
13. To know what you will retire on and how to achieve your dream retirement
14. Provide the security and care for your loved ones.
    

How it works

You can use this website and the extensive blog articles and try and follow the Journey Planner yourself, DIY fashion and see how you go. Alternatively I can support you, on a one-to-one coaching basis or in a group. I offer a 5 week program that will help you complete the journey from start to end. You can choose tailored 1-1 coaching for as long as you need it.

Click here to find out more about the Journey Planner coaching.

You can find out more about the 8 step Financial Journey Planner and sign up to the masterMONEYsimply newsletter on our home page.

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