Hello..a few years back I was completely unknown to this word 'financial planning' till the time I was taught how simple and easy it is to achieve my financial goals by doing small,regular and disciplined savings and investments,to achieve financial security and of course financial freedom! I was always wondering why I was not able to save even 10% of my salary by the end of month, even with the salary hike next year I started spending more which led to the same result- No savings! This was due to two major reasons- After doing all investments given in section 80C for tax savings, I thought this is it! No more savings required No planning, and of course more money I see in my account, more I spend :) But not anymore...with the small amount kept aside every month and parking it in safe investment instruments, I feel more secured and now I spend rest of the money with...