Many people share the same issues because they are not familiar with their personal income and expenses, and the relationship between the two. The key to being more aware of your personal finances is to effectively budget and to understand how budgeting can influence your money management. Spending less comes easier to some, while saving more comes easier to others. You will be surprised by what you can achieve by taking control of your finances. At Planning Box, our financial professionals can work out where all your money is going, and identify which are not negotiable expenses and necessary and which are discretionary. Once we have assisted you in differentiating these categories and you have realised your current financial position, we can then build the foundation for a financial plan that will meet your goals.