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Financial Planning for Personal Use: The Way to Maximize Your Money Advertiser disclosure You're our first priority. Every time. We believe that every person should be able to make sound financial decisions without hesitation. While our website doesn't feature every company or financial product that is available in the marketplace We're pleased that the advice we provide as well as the advice we provide and the tools we create are impartial, independent, straightforward -- and cost-free. So how do we make money? Our partners compensate us. This could influence the types of products we review and write about (and where those products appear on our website) However, it does not affect our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot be paid to ensure positive ratings of their goods or services. . Personal Finance Defined: A How-to Guide to Maximizing Your Financial Wealth Finance for the individual is the practice of making money, saving money, accumulating wealth and safeguarding assets. By Hal M. Bundrick, CFP(r) Senior Writer | Personal Finance, financial planning, investing Hal M. Bundrick is a personal finance writer as well as an expert on NerdWallet in financial matters. He is certified as a financial planner, and a former financial consultant and senior specialist in investment of Wall Street firms. Hal was a consultant to families, business owners trusts, nonprofits and charities, and managed group employee retirement plans across both the South as well as the Midwest. Hal currently focuses on making financial matters understandable and uncomplicated. Jul 12 2022 Editor: Kathy Hinson Lead Assigning Editor Personal finances, credit scoring managing money and debt Kathy Hinson leads the core personal finance team at NerdWallet. Previously, she spent 18 years at The Oregonian in Portland in positions such as copy desk chief and team director of design and editing. Previous experience included copy and news editing for various Southern California newspapers, including the Los Angeles Times. She earned a bachelor's degree in mass communications and journalism in The University of Iowa. The majority or all of the products we feature come from our partners who pay us. This affects the products we write about and where and how the product appears on a page. But, it doesn't affect our assessments. Our opinions are entirely our own. Here is a list of and . What is personal financial? Personal finance is a term encompassing all aspects related to managing your money. It could refer to issues like tracking your spending and reducing your expenses or as complex as taxation and estate planning. (Note it's only one of several .) What is the importance of personal finances? Dealing with money isn't easy. In fact, 4 in five Americans (80%) report that they delay financial decisions, and 35% of people who put off those decisions say it's because they feel overwhelmed by the thought of them. This is according to a July 2022 NerdWallet survey conducted on the internet through The Harris Poll. But take each element one facet at a time. Master that, then proceed to the next. Personal finance is important because it deals with four very critical stages of ensuring your security and well-being 1.) Making money. 2) saving money. 3.) building wealth. 4) Protecting assets. These missions can overlap throughout your life. It's likely you've already accomplished some of the basic tasks. This will give you confidence when you embark on a new task designed to maximize the value of your money. Personal finance examples in every day life Personal finance is much more than just a theory in a textbook. It's the base of living your life on your own terms. For example, manage your cash flow so you are able to save money. Make sure you save for the future so you can explore career options and not be stuck in a job because you have a mountain of unpaid bills. Understanding how your personal finances work can empower you. Although 39% of Americans say they feel nervous when they make financial decisions, according to the survey 30 percent feel comfortable and 17% are excited which suggests it's possible to feel good in the midst of managing your financial situation. Knowing how everything functions can be the initial step in developing confidence. 13 financial fundamentals that are essential to personal finance Many financial fundamentals can be achieved on your own, with a little organization and a desire to maximize what you earn. Tax and estate planning, and investing, typically require professional help. 1. Making money It's very likely that you'll find millionaires in your neighborhood who you would never suspect as being wealthy. They may make a lot less money than you would guess necessary to amass such an enormous sum. Certain people are attracted to frugality. We all have to work hard to set aside just a few dollars. This is where the saying, "it's not what you create, it's what you keep" is relevant. Here are some important personal finance concepts thatinclude: Net income Your take-home pay, or after deductions, is what you have to spend. It's the foundation of your budgeting process. It is essential to determine how much you'll get after all insurance, taxes and benefits are paid out to only spend the money you actually have in the bank. Side income Want to make money but aren't exactly where to start? NerdWallet has compiled nearly two dozen legit ways to make money -- whether it's or in the streets -- and listed each option in relation to the speed at which you can start and be paid. Although most people would prefer speedy cash, don't overlook the "slow" jobs, since they could cost more in the long run. Back to top 2. Management of money Banking About 2 out of 5 (38 percent) Americans are likely to put off opening a new bank account or choosing the right bank according to the survey. But , making the right choice will help you cut costs and help you save more money. Checking accounts Find out more about one of the most simple types of accounts available to consumers. Savings accounts Find out more about and get advice on accounts with low fees and the best interest rates. Certificates of deposit The opening of a CD is a great method to earn guaranteed returns on your money without risk. CDs usually have the highest interest rates among bank accounts and are federally insured, unlike the investments kept in stocks and bonds. A home that you rent versus purchasing Should you rent or buy an apartment? Check out our guide to determine the best option for you. From top to bottom 3. Building a budget These systems can help comprehend and analyze your relationship to money. While all share a common purpose, they all employ different strategies to get there. Return to the top 4. Saving money Interest is the amount you get when you loan funds out, as well as the cash you pay when you borrow money. In a nutshell, it's the amount charged to use someone's money. Emergency fund A reserve is money that is set aside to cover large unanticipated expenses, such as: Unforeseen medical bills. Home-appliance repair or replacement. Major car fixes. Unemployment. Health savings accounts A , is a great option to help you save money to pay for medical expenses, and also reduce your taxable income. But not everyone can -or should- sign up for the kind of health insurance plan required to open an HSA. Saving for a house Find out the amount of down payment you'll need. employ money-saving strategies and keep money in the right kind of account. Here are five helpful tips for . Saving for college A 529 plan can be the ideal method to save money for college, if you are aware of the rules and how to make the most of your investment. A 529 plan is a type of savings or investment account in which money grows tax-free as long as the withdrawals are for qualified expenses for education. They're named in honor of an article in the IRS code. There are two types of 529 plans. . From top to bottom 5. Maximizing the credit card balance Finding the most effective is part artand part science. There is no one credit card that is better than all others in all categories -- or for all people. However, by analyzing the options available and asking the right questions, you can choose the credit card that is most suitable for your spending habits and financial needs. From top to bottom 6. Money borrowed Vehicle loans Find help in finding the perfect vehicle loan -- and find solutions if you're having difficulty. It includes calculators and helpful tips about affordability, down payment and fees. Student loans Should you refinance your ? If so, how can you locate the best lender or the best payment plan? NerdWallet has compiled the resources you need to answer those questions and more. . . . Personal loans Personal loans have an annual fixed percentage rate that range from between 6% and 36%. The loan with the lowest rate is the least expensiveusually the most suitable choice. Other options include no charges or soft credit checks, and the possibility of lenders paying directly the creditors if you're consolidating debt, separate some loans apart. We spent a lot of time reviewing loans from over 30 personal loan firms to determine the most competitive rates online as well as loan features. Mortgages Compare and choose the best mortgage for you. Whatever your goals for buying a home are, we've got the tools, calculators, and nerdy expertise to help you achieve your goals. Compare mortgage rates. Be preapproved. Calculate your mortgage's payment. Explore refinance options. Estimate your home's value. Find the best mortgage lenders. Home equity It is often stated that home ownership can create wealth. What exactly is home equity, and how does it help increase your wealth? Home equity is the current value of your home and less the amount you are obligated to. You're seeking a positive number. Any gains are due to one of the following: 1.) The process of paying down the principal balance of your loan. 2.) An increase in value in the market over time. . Back to top 7. Your credit score Factors affecting credit scores A credit score is a number that lenders utilize to determine how risky it is to provide you with money or grant you a credit card. Your score, along with other factors like your debt and income assist lenders in deciding whether or not they will approve your credit request and determine the interest rate. Two aspects are crucial in your credit report: whether you pay your bills on time, and how much of your credit card limits you use (less is more). How do you build credit? If you do not have a credit score it could be difficult to secure a loan, a credit card, or maybe even an apartment. How are you going to show a history of good repayment when no one is willing to give you credit at all? A variety of tools can assist you to create the foundation for . Here's how: It's important to keep an eye over your credit report since it will affect how much you pay for auto as well as home insurance. your ability to rent a house or an apartment, and even your chance of securing certain work. It's a bit like taking your blood pressure in order to check how your current exercise program and diet are affecting it. It's unlikely you'll notice steady and unbroken progress, however it could let you know whether you're on the right course. Any significant, unsubstantiated changes in your credit score or your reports should get your attention; it could signal identity theft or a mistake on your credit reports. How can I repair credit Restoring damaged credit can be more difficult than starting from scratch. You're trying to convince creditors and credit card issuers that despite slip-ups from your side or a disaster that you didn't have anything to be responsible for, you're likely to make future payments in the manner you've agreed to. Take a look at these . Back to top 8. Taxes Find the federal tax brackets or the top tax software, and estimate your tax billor tax refund -- at the . You can keep track of the status of your federal and state tax refunds and find out the latest deductions and tax breaks. Back to top 9. In the process of paying off debt Strategies to pay off the debt More than 1 in 5 (22 percent) Americans are likely to delay implementing plans to pay off debt in the wake of the study. But getting out of debt is something you can easily do with an appropriate set of tools as well as determination. Learn from people who have been there. The NerdWallet's series tackled thousands of dollars of debt by employing clever strategies and everyday tricks. can help you wrangle . It will show your debt-free date with your current payments and how fast you'll be able to reach it by increasing your monthly payments. It also lets you compare strategies for paying off and make payments. Are you able to pay off your mortgage? If you're considering paying off your mortgage, you're in an enviable position. This is assuming that you've maxed out the savings you have saved for retirement, have set aside an emergency fund and you've accumulated a a sizable chunk of cash to pay off your mortgage loan debt. You might be thinking about a plan attempt to get that mortgage paid off more quickly. There are many reasons why you might consider paying off your mortgage, but are you? How many times do you think it is too much? Wondering if you have too much debt? Add your monthly debt payments (like car loans, credit card payments and child support) and divide by the monthly income to calculate . A higher DTIs are often difficult to pay back and make accessing new credit lines difficult. For instance an example DTI higher than 43% can be excessive and indicate that you require debt relief. Debt relief/bankruptcy Do you feel like you're not making progress on your debts regardless of how hard you try? If yes, then you may have a problem with overwhelming debt. To break free of this financial burden, you should look at the options. These tools could alter the conditions of or amount which you are able to get back to your feet quickly. However, debt relief programs aren't the right solution for all. Understand . Return to the top 10. Insurance Insurance is the transfer of risk -- for a price. A company is paid to assume a certain amount of risk in the event of death, injury, disability or damage to property. It's one of the pillars of personal financial planning. The needs for insurance can change throughout life and can depend on family needs as well as your personal assets. Life insurance protects anyone who depends on you financially. If you die unexpectedly, life insurance will provide money that will replace your income, pay off a mortgage, or cover your kids' college tuition or whatever other expense you want to pay for. Insurance for home owners Your home is more than just a roof over your head. It may be your most valuable assetand one you will not be able to afford replacing out of pocket should disaster strike. That's why protecting your investment with the right essential insurance. Auto insurance On average, car insurance is $1,592 per year, according to the NerdWallet 2021 rate analysis. Looking for quotes on insurance frequently, in addition to other factors will help you lower the cost of insurance. Annuities Annuities are financial instruments that can provide an income stream that is steady in retirement. However, an annuity is an intricate thing. Find out how annuities operate with the pros and cons and how they compare to IRAs. Long-term care It might be hard to think about but you're likely to require assistance with your health later in life. The most important question is: How do you pay for it? Insuring long-term health insurance is one method of preparing. Long-term care covers a host of options that's uninsured under the standard health insurance. A can help pay for the costs of this care if you have an ongoing medical condition, a disability or a illness such as Alzheimer's disease. From top to bottom 11. Investment To buy stocks, you'll require an account with a brokerage company, which you can set up within 15 minutes. Then, once you've deposited money into the account, you can follow the steps . Retirement accounts A retirement account for individuals (also known as an IRA is a tax-advantaged investment account which people use to save for retirement. Contributions to certain IRAs may be tax-deductible, or withdrawals could be tax-free. There are several types of IRAs including traditional, Roth, SEP or SIMPLE. IRAs are available through banks, robo-advisors and brokers. Investing in a brokerage account A standard , or taxable account does not offer tax advantages for investing through the account. In the majority of cases the investment income will be taxed. The good thing is that that means there are very few restrictions on the accounts: You can pull your money out at any time, with whatever reason. You can also invest however much you want. Exchange-traded and mutual funds The investors of mutual funds own shares in a business whose business is buying shares in other companies (or in bonds, or other securities). Mutual fund investors don't directly have ownership of the stock of the companies they purchase however they take part in the gains and losses from the funds entire holdings, hence the "mutual" in mutual funds. ETFs can be traded just like individual stocks, but they offer the diversification advantages of mutual funds. In many cases, ETFs will have a lower investment requirement than index funds. Fixed-income investments , such as government or corporate bonds, may offer a stable, reliable source of income with a lower risk than other investment options. Along with stocks and stock mutual funds Fixed-income investments form the foundation of an overall portfolio of investments. Return to the top 12. Beginning or running a business From loans to reviews of lenders, we'll help you connect with the right sources to help you handle business issues: . . . . From top to bottom 13. Travel Do you have a dream of a vacation? NerdWallet provides the tools and tips to aid you in comparing and locating the most effective way ways to make your next vacation as affordable as is possible. From top to bottom Learn more about personal financial planning. Are you interested in learning more about the various aspects of personal finance that was mentioned earlier? You can listen to interesting and informative discussions about financial matters at any time by listening to NerdWallet's podcast. The NerdWallet Smart Money Podcast Your questions about money are addressed. That's the from NerdWallet. Have a money question? Talk to one of the Nerds. Text us or call us at 901-730-6373 or via email, and then join and listen to the podcast. The METHODOLOGY This online survey was conducted within the United States by The Harris Poll on behalf of NerdWallet between June 14-16 2022. The sample included 239 U.S. adults ages 18 and older. The accuracy of sampling in Harris polls online is determined by using a Bayesian credible interval. This study shows that the sample data is accurate up to the range of 2.8 percentage points using 95% confidence levels. To learn more about the methodology of this survey including weighting variables as well as subgroup size, please contact Sarah Borland at Disclaimer: NerdWallet does not make, specifically and implicitly, any warranties, of any kind that are implied, including those regarding the merchantability of its products and their fitness for a particular purpose or whether the information contained in the article is true, reliable, or free of mistakes. The use or reliance you place on the information provided is at your own risk and its completeness and accuracy cannot be guaranteed. The contents of this article should not be relied upon or linked with the performance in the future of NerdWallet or any of its subsidiaries or affiliates. Statements that are not historical facts are forward-looking statements and involve risks and uncertainties as indicated by words such as "believes," "expects," "estimates," "may," "will," "should" or "anticipates" or similar statements. These forward-looking statements could materially differ from the way NerdWallet presents information to analysts , as well as its actual financial and operational results. The author's bio: Hal Bundrick is a personal finance writer and an NerdWallet expert in money issues. He is a certified financial planner and an ex-financial advisor. On a similar note... 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