Economic condition has worsened and price of every item has increased so now we must plan properly. Now at least we don't have chance to make mistakes and spend money carelessly because if we don't proceed according to our proper plan now then we may face severe financial crisis in future. We have to do some work so that we keep getting regular money from that work, as well as how much money will be spent every month, how much money will be saved, how much money can be used for business work, and finally we have to work according to the chart. If we follow a certain plan, we may be able to pass this difficult time well.