With college graduation approaching it reminds me of a time in my life where I had no real clue as to what I was going to do after I graduated. Up until this point I had a goal of being the first person in my family to graduate college. I was stoked that I had just finished an internship at the Cooper Fitness Center and was now ready to graduate and head into the real world. The only problem I was not sure if I wanted to work with athletes or wanted to do personal training. As you know by now I went the personal training route; however, when I first started I had no plan. It was not until I read Stephen Covey’s “7 Habits of Highly Effective People” that I started to plan. Also, I wrote a post awhile back titled “The Fastest Way to a Six Figure Income, which summarizes the study conducted by Harvard and showed the power of planning. I suggest you read it and see for yourself the remarkable results. Okay Dave, if planning is so important show me what I need to consider for my individual plan.

A.) Yearly – You need a plan for the entire year and the following should be included:

1. desired annual income
2. personal development
3.  professional development

B.)Monthly

1. needed monthly income
2. planned events
3. unplanned events