When it comes to money, some of us would rather turn the decisions to someone else, like a family member or financial planner.
Your Budget is Tight
Financial planners may not make sense if you’re working with a limited budget. If this is your situation, you may look for a reputable financial planner willing to consult with you on a one-time basis for a small fee, just to help you sort through your priorities. But consider foregoing a commitment to anything more until you’re financially ready.
You’re Drowning in Debt
If paying off credit card debt or other consumer debt, you may consider a free option to help you tackle this. Consider contacting organizations like the National Foundation for Credit Counseling and Clearpoint, both of which are non-profit organizations focused on helping consumers deal with credit issues.
You Have a “Simple” Situation
Some financial advice is fairly straightforward. Pay off debt. Build an emergency fund.
If your situation is fairly simple, you can become more active in planning your own financial future.