Plan of Action: Each month funds are deposited to a savings account (or fixed deposit) to fund the short -term and medium- term goals. For long-term goals (4 years and longer) funds are deposited to an investment account or mutual fund. Loans can be used to: (a) fund goals when the purpose of the loan is to acquire an asset that increases in value (b) facilitate an increase in income or cash flow for saving i.e. A DEBT CONSOLIDATION LOAN (c) improve the value of an asset. Remember to have a GIVING PLAN and to invest in your own personal development and spiritual growth.