How much time you spend on planning before starting a blog ?

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I feel that it is now very important to give quite good time for this. Earlier, I also used to start blogs just as an impulse and still make good money from them. But now the situation has completely changed. There is so much competition. Also, blogging requires too much expense on good content and seo now that if you do not plan everything in advance , it can result in wastage of money also.