There is nothing vital in the world like a blue print, to drawn a plan on the ways we will spent money should be the first thing before we think where the money would come from, because money make a person to change his behaviour, that is why some people tends to change their circles of friends and have another set of friends, and have the old ones said "he is no longer the same, because he is on money" and even to make a plan, would somehow be difficult for the person with money.
The reasons why some people's lavish money and regret later when the money has finished on what they should have used the money for, it is not of their making but what comes out of the attitude is because the person did not had a plan at all, like what he would used the money for, when the money comes.
Plan help so much for a person to stay on the right track and not missing out on what he should do, I have seen a situation Where a friend speak about selling off his assets and to used the money in Investing into another business, which he thought will be good enough for him but because he failed to drawn out how the whole money would be spent then when he succeeded in selling the asset, he was missing out on the plan, it happens so because he didn't drawn a well plan on how to spent the money.
Rather he allowed the money to come first before he starts Writing down what are his targets, when he was now doing it with high spirit, memo may be short but those are vitals for a better achievement,
How can we start by drawing a plan, this is simply by taking notes of the things we want to do, having this set of items written down, either in a piece of paper or in our computer device, so that when needs comes we will know where to go to and start from.
Consider a memo as a timetable of duty's, whereby the timetable guide you on each of the functions to perform in a given time.