Create a budget. Find out how much you actually spend each month. There are fixed costs, such as rent, loan repayments, etc., which are present every month and we can not change anything in this regard. Variable items, such as food, clothing and entertainment, are often those we do not think of. The solution is to create a balance sheet and control the inflows and outflows of your assets.

It is important that personal finance plans are tax-efficient. Your personal finance plan will help you reduce the tax liability and increase returns after taxing your investments. Some personal financial consultants help their clients optimize their tax returns.

Some personal finance packages, magazines and self-help books can help you with your own financial planning. However, you may decide to seek the assistance of a personal financial consultant - expert if:      

• you need the expertise that you do not have in certain areas of your finances. For example, a personal financial consultant can help you to assess the level of risk in the investment portfolio and review the allocation of funds;    
• you do not have enough time to edit your own financial plan yourself;         
• you know that you need to improve your current financial position, but you do not know where to start;     
• you believe that a personal financial consultant - expert could improve your plan and strategy for the current management of your finances;  
• an immediate or unexpected life event occurs, such as inheritance or major illness;          
• you want to get an expert opinion on a financial plan that you have developed yourself.

It depends on what you need. We can send you the complete questionnaire. Based on your answers we will be able to prepare a customized personal finance plan specifically for you. If you need more detailed information with a personal financial consultant, please call us on +386 70 664 433, or write at info@harvest.si.