What Financial Planning can do on your Personal Budget? 理财规划的个人用途：如何做财务预算？

You won't be surprised that financial planning can help in making your personal budget. But how?

Especially for those who didn't really study econs or commerce in school, one's will keen to know the "abc" in financial planning that facilitate our budgeting.

无可否认，理财规划是个人财务预算的重要手段。
但是如何进行？特别是在没有咨询任何专家的情况下。

Financial planning is a process of setting objectives, assessing assets and resources, estimating future financial needs, and making plans to achieve monetary goals. 

必须认清四点：个人设定的财务目标，拥有的资产和资源，估计未来的财政需要，策划个人的经济预算。
Your financial priorities change as you age and during different phases of your life. Careful planning can help individuals and couples set priorities and work steadily towards long-term goals. It may also provide protection against the unexpected, by helping individuals prepare for things such as unexpected illness or loss of income. 

理财规划的范围：包含税务策划，投资策划，保险策划，退休策划，遗产策划，现金流管理，教育计划，房贷计划和债务重组等等。

理财规划的重要：分析目前家庭经济状况，实现家庭经济资源的最优化配置。

也就是目前家庭经济状况下，怎么尽早实现家庭的梦想（如解决经济拮据，买车，买房，孩子的教育，百万富翁的梦想，安享晚年或留下大笔遗产）。