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Now that you've developed goals, identified alternatives, and evaluated those alternatives, create a list of the strategies you've identified.  Consider your current situation and then start thinking about which goals might be most realistic.  Take your current net worth into account.  If your liabilities approach or outweigh your current net assets, you'll want to take steps to change that ratio. While you may opt to focus on developing your net assets, don't forget that paying off debt can be a great investment.  Interest charges mean that even paltry debts can become overwhelming over time.  Allocating some resources toward debt reduction now may prevent serious problems from developing later. Strive for a balanced approach toward short-, intermediate-, and long-term goals that will enable you to plan for a few months and a few years down the line.  Focus upon incremental growth.  By doing so you will create a road map that will take you toward your goals. Be realistic.  You won't be able to adopt all the great strategies you've evaluated at once, but selecting a balanced range of goals will help you meet the goals you do choose and grow toward a point when you can take on additional projects. You already know your net assets and liabilities from your analysis of your current net worth; set these into a framework that includes the decisions you've made.  Then hold yourself accountable for these decisions.  If you've committed to spending $80 less per month on coffee and placing that money in a savings account, list that in your budget. Goals such as obtaining a new job may not fit neatly into a budget, but should be listed in an easy-to-reference location as part of your working financial plan. You may be fully capable of making financial decisions, but a professional adviser has the advantage of emotional detachment from your financial situation.
Look at the big picture. Decide which goals you'll pursue now. Develop a budget that incorporates your financial planning goals. Consider hiring a professional financial adviser.