As an accountant and finance guy, I deal with numbers and money on a daily basis. But I know that many people are still mystified by their finances, especially when it comes to budgeting and saving.  If the idea of doing your own number crunching for yourself and your own money sounds overwhelming, you might want to consider hiring a financial advisor. So how do you know when to call on a professional financial advisor to help? Here are a few things to consider.