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1 - decide on the aspirations you really want to achieve 2- establishing realistic timescales 3 - establish starting position 4 -establish priorities Before drawing up a plan, a person needs to make an audit for their current resources: 5- document the plan balance on current account + savings account 6 - implement the plan Current income (most important ) + expenditure 7 - review progress Any possibility for increasing it or gaining a promotion or finding a different job High uneployment - job security - emergency plans Plan for periods of higher expenditure As well as the cultural and other factors that affect people's aspirations, other more immediate factors may have an impact. Eg someone might have a history of health problems and this might lower their risk appetite and make their aspirations less ambitious. In a period of high unemployment, a person might have a more cautious attitude and their 5.4.3 - establishing a starting position As someone gets older it becomes more complex as they acquire possessions + obligations PLANINUINC anacreo ...
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