The following tips will help get you in gear to start your financial planning. Once you have made financial planning part of your routine, it wont seem so difficult. But getting your financial planning started can be the most difficult thing. These tips will help motivate you to make financial planning one of your main goals.Financial Planning Tip #1 Pay off DebtOne of the biggest factors fighting against financial planning is debt, especially credit card debt. If something starts off as a small debt it turns into a big one simply because you were not paying off the debt. Financial planning means you have a plan and paying off debt should be the first goal of your plan.Financial Planning Tip #2 InvestAnother financial planning tip is to invest. Financial planning means you are saving for the future in many cases, so you will want to take money you earn today and invest in the stock market, in bonds, IRAs, 4019k) or a mixture of all of the above. Saving your money with the help of financial planning will help money grow all on its own.Financial Planning Tip #3 Spend Less than You EarnThis is tough for people to understand and often times what they resist most when they begin financial planning. This is because Americans always want what is bigger and better. Regardless, financial planning is more important than consumerism. Make spending less than you earn part of your financial planning.Financial Planning Tip #4 BudgetA great financial planning tip is budgeting. You wont be able to save unless you know what you spend. Make budgeting part of your financial planning and you will realize saving is not so hard.