To create a financial wellness plan, start by setting clear and realistic goals. Whether it's paying off  debt, saving for a specific purchase, or building an emergency fund, having well-defined objectives will help guide your financial decisions.
Next, develop a budget that tracks your income and expenses, allowing you to identify areas where you can cut back or save more. Consider automating your savings and setting up an emergency fund to provide a safety net in case of unexpected expenses. Finally, regularly review and adjust your plan as your circumstances change.