Physical Condition

Make a list of all your current investment details. Many of us tend to overestimate our net worth and a pen to paper experience is the best way to get a reality check. Add to it your annual income and your monthly expenses. A combination of all three your investment, your income and expenses will give you a correct picture of where exactly you stand and what you need to do for the future. Next, chart down all your outstanding liabilities. Add up all those unpaid credit cards bills, the monthly EMI’s and the coffee tab to get a clear idea of your liabilities