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- August 20, 2024
Financial Planning for Life Events
Are you planning your wedding, or is childbirth in your way? Regardless of the event, what matters is the amount of money needed for it. These life events, such as marriage, childbirth, or graduation, require money that could not be arranged in one day for most of us. So, what can be done? The solution is straightforward; all you need is well-defined planning and appropriate execution. Therefore, this blog serves as a resource for individuals who prefer to plan ahead rather than grappling with financial issues at the eleventh hour. With this guide, you will be able to make financial plans for any significant life event.
But, what’s the Need of Financial Planning?
Often, it is seen that without proper planning, the cash flow increases and adds unnecessary amounts to the final bill. This is a significant issue, as individuals often lack awareness when such situations arise. Hence, they end up asking others for money at the last moment when they need it urgently. And let’s not forget the stress you must be under, even if the event is a happy one. At a moment when you ought to be joyful, you find yourself grappling with financial worries. Thus, to avoid all of this, we need to plan.
Important Life Events that Require Thoughtful Financial Planning
Starting a new business:
When you want to start a business or buy one, you’ll need money. A lot of business owners tap into their personal savings to finance their projects. In order to safeguard such personal assets as your house, among others, it is necessary that you have an appropriate business structure.
There are usually two common types of businesses in India that secure private properties, like Private Limited Companies and Limited Liability Partnerships (LLPs). Apart from that, the Indian government offers many programs and rewards for people who want to start their own businesses. Some of these are the Startup India initiative and MUDRA loans, which can help with money and make it less necessary to depend on personal savings alone. Talking to a qualified accountant or lawyer is a good idea if you want to find the best way to set up and fund your business.
Marriage:
Who you choose to spend the rest of your life with will have a big effect on your money in ways you might not even be aware of. But a lot of pairs put off having important conversations about money and setting financial goals.
Before getting married, it’s important to have an open and honest discussion about money. For the sake of honesty, you should both share all of your cash details. It is important to know how much money your future partner makes, how much debt they have, and how much money they have saved.
Every month, make an effort to make a budget together. Clear goals should be set for saving money and, if necessary, paying off any bills. You could set aside one day a month to talk about it together. You can then look at how you spend and see if it fits with your financial goals.
Getting ready for the worst that could happen is equally important. Even though it’s not fun to think about, it’s important to plan for the unexpected when it comes to marriage. If your partner and you have very different financial situations, you might want to think about getting a prenuptial agreement. If losing a spouse would put a strain on your finances, you should seriously think about getting life insurance.
Purchasing a house:
For middle-class people, buying a home can be a great way to build wealth. In many housing markets, though, it can still be very hard to buy your first house. When you want to buy it, you have to be very careful with your money and be able to control yourself. First, save up a big down payment, work on improving your credit score, and look into affordable rental programs. It is crucial to conduct thorough investigations of a home, verify all documents related to the house, and contemplate your future plans before making a purchase. Besides, one should note his or her financial constraints and refrain from agreeing to uncomfortable amounts.
Having a child:
Adding a child to your family is a wonderful event, but you need to carefully plan your finances ahead of time. First, figure out how much it will cost for things like medical bills, childcare, school, and basic needs. It’s smart to start a savings account early, make changes to your health and life insurance, and think about how your income might change if one parent decides to stay home. You might want to start an education fund and make sure that your will includes instructions for who will take care of your children if any uncertain circumstances arise.
Retirement planning:
Getting ready for retirement is a big step in life that needs careful and thoughtful financial planning. First, figure out how much you should save by analyzing how much you will spend after you quit. Find out about different ways to spend, like mutual funds, provident funds, and the National Pension System (NPS). Think about things like inflation, healthcare costs, and how you might need to change your lifestyle. It’s important to look over your retirement plan often and make changes as needed. It’s also necessary to think about how you’ll handle your estate and give your assets to future generations.
Higher education:
Understanding that going to college is a big deal that needs careful financial planning is vital, whether you’re going, or your kids are going. Start by looking at how much different schools and classes cost. There are many things to think about, like education fees, books, living costs, and how your income might change if you quit your job.
Find out about different scholarship, loan, and savings programs, like the Sukanya Samriddhi Yojana, which is meant just for girls. Putting money away early is a good idea. Systematic investment plans (SIPs) in mutual funds or fixed savings could be one choice. It’s also essential to think about the possible return on investment in terms of job chances and earnings in the future.
Dealing with a major health issue:
Even if we don’t think about it, it’s significant to have money saved up in case of a sudden health emergency. For starters, make sure that you and your family all have full health insurance. You might want to add extra coverage for serious illnesses that your regular health insurance plan might not cover.
Put away enough money to cover your bills for 6 to 12 months as a safety net. You should take the time to learn about your insurance plans, including what they cover and how to file a claim. In addition, it is good to think of certain expenditures that may come with long-term care, even if they are not necessary. An idea of what past health issues have affected your family may assist in planning in terms of potential health care costs in the future.
So, are you Prepared Now?
“Financial planning is the key to unlocking a memorable event; with a little foresight and smart budgeting, you can celebrate without compromise.”
After reading this blog, you may have realized the significance of early financial planning. The budget tips here will save you a lot of money and give you more time to enjoy your important event. There is no harm in planning early; you just need adequate direction for a better understanding, which is why we are here. For any help regarding finance or budgeting, do not hesitate to knock on the door of Peak 72. Learn how to manage money with us and find answers to all your questions.
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