FPs will charge anywhere from 1% of assets or fee based (the best kind) around $100/hr, but I don’t really think hiring a FP is in your best interests if you’re just doing budgeting or basic personal finance.
FP’s are great if you’re new to investing or you’re not a very disciplined investor, but just for matters of reducing spending, paying an additional $100 per month on your mortgage, or trying to cut your credit card debt, their expertise really isn’t that valuable. I say this because they’re only going to tell you to “spend less, save more, create a budget, stick to it, and call me when you have money to invest.”
Lots of personal finance blogs give this sort of advice for free, as well as budgeting sites like Mint, Quicken, or even Plain Jane Excel, should help you meet your needs.
My advice would be to track how much money you save every month (percent saved of bring home income), track necessary vs. discretionary spending every month, and if you need additional motivation, calculate how much money you’re paying in interest (bank profits) every month.
