proper financial planning tips proper financial planning tips

7 Best Tips For Proper Financial Planning In 2023

Do you wish to know how to achieve financial success and build wealth? you must engage into Proper Financial Planning.

If you’re looking for personal money management tips and financial tips for 2023, then you must understand financial planning very well.

The truth is when it comes to Personal Finance and money management many people think that there are no letdown strategies or rules on how to maintain money and make the most out of one’s finances.

Even though this might be true on one hand I can also categorically tell you that there are ways you can plan your finances and achieve results.

The main point in managing finances ideally is by making sound financial decisions and planning.

Regardless of how much you earn monthly, Weekly, or yearly, if you do not have concrete plans on spending your money and investing, you will soon go bankrupt.

Proper financial planning only involves budgeting for future expenses.

If you fail to build wealth or you’re ignorant of managing finances, then what happens to your tax liability with proper financial planning?

proper financial planning tips

The sole aim of this article is to point out the tips you should consider in making proper financial decisions, and with these tips in mind you are sure to experience Positive results in your finance management.

I hope you’re interested in knowing about these amazing tips? read on.

Let’s quickly see the 7 Best Tips For Proper Financial Planning in 2023.

Finance Management and Proper Financial Planning Tips

Here are the 7 financial tips for 2023 and my finance planning tips for you.

1. Outline Your Financial Goals

You need to know your financial goals because without a goal you won’t know if you are making progress with your finances or not.

Financial goals will make you understand what is most important to you and your finances.

What may be necessary to some other person might not be important to you so it is essential to crafting your own financial goals from What is best for you and your family.

Outline your actual financial needs, Such as education, housing, retirement, reserves, etc. 

2. Break Down Your Goals

No matter how big your goal, it is unique to break them down into short, long and medium-term goals, to make them achievable and attainable.

You should know which financial need comes first as to make proper financial planning.

Taking care of one area does not mean ignoring others, and how necessary it is to be able to constitute, design, create, develop, and implement a quality, strategic, and action plan, combined with the discipline and commitment, to stay on track.

3. Periodic Payments

A very important way of maximizing your goals and creating more wealth for yourself is to understand your means and know what you can do financially.

You should have the discipline to pursue and commit to your financial goals which might include making periodic payments for the present financial task you are trying to conquer. 

4. Make Budgets

Proper budgeting is very essential if you really want to crack the nut in your finances.

With a good budget, you know how much of your income you are to spend and on what needs you are spending it.

How can you know where your money is going when you do not have a budget for it?

How can you track your savings and spending when there is no budget?

But I make thousands a year or a few pennies a month?

Try to make a budget, and you will see how accountable your finances will be.

5. Have a Savings Plan

If you ignore savings and focus on meeting other areas of your financial needs you will end up with little or Nothing and sometimes unmet needs too.

Pay yourself first by Keeping a portion of your earnings assigned as savings.

If you find it difficult to set money aside you can speak to your banker to make a monthly deduction from your salary before it enters your account.

By so doing, you are putting away some funds for yourself in case of an emergency.

This will help you to achieve financial success and make good proper financial planning.

6. Have an Investment Plan

If all you do is spend and save without investing it will be difficult for you to make more money and build wealth.

You need to find out creative ways to be ahead of your financial game by investing some of your income.

Even if you are saving up money for retirement, It is also wise to invest part of your income into other means of income passively or actively.

Many people find it challenging to manage their finances because they believe no laid down strategy works.

7. Have a Side Hustle or Business

One of the best financial tips for 2023 is to get a side hustle or side business.

Yes, you can learn a skill to use alongside in supporting your job and business, it can be an online digital skill or any offline skill.

You can offer services or sell products with these skills and make money by doing that.

Skills like (blogging, digital marketing, affiliate marketing, sawing, mini importation, copywriting, internet marketing) etc. are soft skills that can serve as a side hustle.

You can also engage into trading like; forex trading, crypto trading or even gift card trading.

Money and Profits made from this side hustle can be added to your savings, use for investment, urgent needs or recycled back into the business.

This should be part of your financial goals so you can easily grow to your desired level in building wealth.

However, with these few tips, we have outlined in this article you will make significant success in managing your funds and maintaining an excellent financial profile.


If maybe you don’t have any job, no business and no fund to start up with, you can also earn money online by doing something.

There are various online platforms whereby you earn money by performing tasks and completing surveys to get rewarded with gift cards.

You can easily sell and exchange the gift cards for cash in Nigeria on this gift card exchange platform called ApexPay.

ApexPay is the number one verified Nigerian website where you can sell gift cards at highest possible rates and get instant cash payment.

You can start up a proper financial planning when you sell the free gift cards gotten from the site for cash on

On Apexpay platform, you can sell all types of gift cards directly from our mobile app and on our website too.

If you wish to start gift card trading as a side hustle in order to grow your finance, here are the 7 best gift cards with high rates, currently on Apexpay today.

About ApexPay

Apexpay Nigeria is a trading platform established in 2018 where you can sell your gift cards for instant Naira.

Click here to start selling now.

On ApexPay; You can Trade and Redeem the following Gift Cards within 2 Minutes:

  • Sell iTunes gift card for Naira
  • convert Amazon gift cards to cash
  • convert footlocker gift card
  • sell $100 apple ecode for naira
  • sell $50 Nordstrom gift cards
  • sell Sephora gift card for cash
  • sell $100 Visa gift card for Naira
  • sell $25 Google play for cash
  • sell $200 Google Play for Naira
  • sell $100 Walmart Visa gift card
  • sell $500 Walmart Visa gift card
  • convert $20 steam gift card to naira
  • exchange $100 Google play for naira
  • sell $200 google play card in naira
  • sell Google play gift card at high rate.


So finally, in your quest to personal money management and how to achieve financial success then you must have a proper financial planning.

Take advantage of these financial tips for 2023 and you’ll see yourself building wealth forever.



Read Also: All you need to know about Entrepreneurship 

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