When it comes to your money and your plans, it can be hard to balance short-term wants, long-term dreams, and those unexpected events that out of your control.

From the groceries you need, to the retirement you want, and the car repair bill that’s looming, it can be hard to figure out how to tackle bills at the same time you plan for the future.

This series of how-to articles can help. It takes you step-by-step through what you need to know to create a personal financial plan and help get your money in order. In nine steps, you have a nice framework to build on throughout your life.

It’s OK if you’ve already started a few of these steps. It’s also OK if you haven’t. Just start with one task and keep going. (Or just tackle the whole thing on a long, rainy weekend with a big pot of coffee and a dog at your feet.)