Saving for the engagement ring. Preparing for pregnancy and a new baby. Buying a house. Getting out of debt and growing your wealth.

These are life changes that come with the cycle of life, and each requires you to get a handle on your personal finance.

When your money is healthy, you can get through these life changes with your relationship and stress intact, allowing you to have a peaceful, flourishing household. This sets a great example for your kids through their development, and lets you have enough money to put them in activities and provide an excellent start to their adult lives.

Scientists say that financial problems can be damaging to your self-esteem, cognitive ability and physical health. In fact, people that deal with financial problems spend more money on painkillers.

Use these suggestions below so that you set a foundation and grow your finances to help you make it through every life circumstance.

Start Saving Money And Eliminating Liabilities And Bad Habits

The best thing you can do to get out of financial peril is pay yourself first. The habit of stashing aside even a little bit of money each check lets you grow a financial storehouse to get you through emergencies.

When your basic needs of protection are accounted for, you can get through life changes with more ease, and can begin growing your money.

Consider setting up an online savings account that you don't have immediate access to. This way, you'll curb the urge to dip your fingers in the cookie jar. Plus, these accounts often have higher interest yields.

Set Goals For Financial Growth

Once you've covered your immediate needs, start looking into avenues for financial growth.

Saving for college is one of the most important long-term goals you can set, and helps you solidify your family's future. Consider starting a college savings plan as soon as you get a positive pregnancy test, and you won't have to stress paying for your child's education.

Setting aside a little bit of money at a time is great for long-term gains, without you having to hurt yourself financially.

Look into stocks, bonds, mutual funds, forex trading and other avenues. Do your best to research so that you can become a skilled and seasoned investor, and avoid mistakes.

Get Professional Personal Finance Assistance

The best way to manage and grow your money is by hiring some personal finance experts.

Bringing in experts will help you to set up a budget, plan your goals, eliminate unnecessary spending and so much more. They specialize in guiding clients through all of life's changes, and can point you toward your blind spots.

For instance, you might be thinking of how you're going to fund your dream home, tackle your student loans, pay for an expensive roof repair, or send your child to private school.

Sending your child on the track of education, health and fulfillment requires you to continuously increase your income and improving your quality of life. Getting the help of financial advisors provides clarity to any situation you're dealing with.

Consider these tips to protect your finances through every twist and turn that life throws at you.