You don't know what is financial planning?
You are in debt?
Money not enough?
Should I buy insurances?
Read this:
http://www.akpk.org.my/Portals/0/Book/money_sense.pdf
Check list to start financial planning:
www.financialplanningadvocates.com/generator/files/documents/confidential%20financial%20questionnaire.pdf
Some excel file to plan your budget:
www.finance.cch.com/tools/downloads/fammonbudget.xls
www.mortgage-man.ca/form/Mortgage-Man-Budget-English.xls
Start now, do it early.