Seeing a financial planner

I have made an appointment to see a financial planner early next week - I know I need someone to help me sort out my finances and he is apparently real good if you listen and obey him to the letter. I have a friend who has been religiously visiting him for about 3 years and now she is buying a house. I really wish I had started visiting him then but I guess its never too late.

This guy had better be a miracle worker. Atleast I hope that between now and then I really can get the discipline to listen to what he has to say becoz I know I am in deep funk if I go on this way. You see the problem I have is no matter how much money enters my bank account at the end of the month, I still manage to finish it all by the very next paycheck. Its almost uncanny - once in a while I will make some extra money above my paycheck an extra 100 - 200 dollars which should actually stay saved in my account but no... every month the day before my pay comes into my account always reads Ksh. 500 and those are the good months.

I know I need discipline. I have tried the budgets - I have a daily one, a weekly one, a monthly one, a yearly one but it all gets blown. The daily one - impromptu coffee with the gals and there it goes. The weekly one - The mama's selling clothes, perfume around the office etc, the monthly one - a family member or friend in crisis - soft loan that does get paid eventually but which gets misappropriated... I think you get my drift.

I am consoling myself that I am redeemable and that all is not lost; Im not in debt yet and have managed to do a little saving - this money ofcourse comes straight from my employer to the Sacco, a standing order pays for my pension plan, Ive managed to buy a few stocks this year (very little money though). I hope all is not lost and this man really is a miracle worker.