Once you've set those goals, McKay says it's time to assess where you are financially. That means determining your net worth and spending. She says the best way to determine your assets and liabilities is to track them. If you have credit card debt you may want to have a financial makeover. The cost for makeovers varies.
Some planners charge by the hour, while others who specialize in investments work on commission.
There are also non-profit groups like the United Way who handle basic financial counseling for little to no cost. I was proud of myself for taking control of my finances, and my life.