Organised and in control

"Systems permit ordinary people to achieve extraordinary results predictably."

Michael Gerber

Whether or not you are comfortable with the idea that systems run your life, this is the reality.  From what you do when you wake up in the morning to your evening ritual before bed, you live your life by a series of your own personal habits (aka system).  And it’s not just you, it’s everyone.

The problem with some of our systems though, is that they are poorly designed. We either don’t know how or just haven’t taken the time to improve the way we do some things. And yet many of the common challenges in daily life can be improved with an effective system.In the realm of personal finance, managing household expenditure, saving regularly for the future or even just the organised filing of our financial records, are all examples of good intentions that often fall short. The good news is that these and other such challenges in the area of money management can be overcome.

But before a system can be built, you must know all the elements that will go into making up the system. This is where the planning process starts.

At its most fundamental, personal financial planning is about taking the time to plan for a better financial future. The first step in that journey is knowing where you are now, so a plan can be mapped out to get you to where you want to be. Part of this process is also considering all currently known and future potential obstacles, around which you will need to navigate.

The planning process begins with bringing together all the disparate areas of your financial life. Everything is collated – from superannuation, taxation, estate planning, home ownership, investments, debt and risk management, social security benefits and retirement pensions because even though the world has become hyperconnected socially, this is not the case (yet) for personal financial management.

Gathering this information into a central record brings order to your financial situation and properly prepares you for the conscious construction of your financial future, built on solid foundations.

With all information collated and in good order, structure can be introduced in the form of tried and proven systems to more effectively manage and respond to life’s opportunities and potential pitfalls. This is all about purposeful planning, because nobody ever drifted to a destination they would have chosen.

Successful people are intentional, creating the systems in their life by design rather than by default.


Financial Life Planning is a holistic process
that puts your interests first and focuses
on increasing your sense of financial
well-being and life satisfaction.