When you read a lot of finance books, you come across a ton of different personal finance tips and tricks. This can make personal finance seem like a massive, overwhelming, and complicated topic, but it's really not.If you live by these several personal financial advice, you'll have more control over your money, and make you have much better life financially.Simply reading these personal finance tips and closing this page is not going to help you. You need to put in some more effort than that.You might understand about budget, and cringe a little, but you shouldn't. Budgeting is not hard, and it doesn't mean you have to stop doing things you enjoy.Budgeting is simply creating a plan for your money so you have a better idea of where it's going every month. Effective way to budget is with the 50/30/20 rule.How it works is 50% of your income goes towards the necessities (food, bills,, etc.), 20% of your income goes towards savings and the remaining 30% you can use for whatever you please.This is a nice and easy way to break down your paycheck, but you might need to adjust it a bit to fit your lifestyle.It's easy to know that you should be spending less than you earn, it's a lot harder to actually do it.However, if you want to escape the paycheck-to-paycheck lifestyle that so many others live, you need to spend less than you earn. This is one of the most crucial but basic personal finance tips ever.In order to do this, you need to track your spending. You can do this by either writing your purchases down or by using a free personal finance app.One of the best personal finance tips to make you rich is investing. Once you’ve set a budget, cut back on unnecessary expenses, and started to save, it could be time to invest. Your first step is to consider the Personal Finance to make sure you will not be overstretched financially. If you still have a healthy amount to invest, don’t let it stagnate in a low-interest savings account. The earlier you start investing the more time your money has to grow. This is why investing at a young age is so crucial.Even if you only have an extra $20 per week to invest you need to do it. Those small amounts can turn into something huge in twenty to thirty years.If you want to accomplish financial goals, you need to figure out what goals are important to you first. Having a clear goal can keep you motivated and help you come up with a plan to reach that goal even faster.Now, don't think that you need to set outrageous goals. If this is your first time thinking about personal financial goals, start off small and work your way up from there.Coming up with a few different goals in each of these categories:What you want to achieve in the next three monthsIn the next yearIn the next 5 yearsThis personal finance way make you'll have some short-term goals to look forward too, and some long-term goals to work towards as well. Your short-term goals may even be small stepping stones towards your bigger goals.Here are some examples of good financial goals:Buy a houseStart investingRemember to set short-term and longt-term goals, and keep track of them too! Write them down somewhere and set a day each month to track your progress.A credit card is a useful tool in your finance toolkit, but it's not free money.When you purchase something with your credit card, you are borrowing money from the bank. If you don't give that money back in time, the bank is going to start charging interest on your balance.This debt can become a monster if you don't pay off your balance every month.However, if you use a credit card responsibly and pay off the balance every month, it's a good way to start building credit. Most credit cards also have other benefits such as rewards points, cash back, or travel points.If you're capable of paying off the balance in full every month, then you should have no problem managing a credit card and staying out of debt.If you are going to use a credit card, you should control your credit score.One last tip: Treat your credit card as a debit card. Pay it off in full every day if you have to. I try to pay off my balance every couple of weeks so that I don't forget. I also use Trim to remind me when payment is due.Do you really need a human financial advisor? Are you paying too much? Money managers typically charge a significant percentage of assets or returns (1% or more annually) for their services, which can add up to hundreds of thousands of dollars over the course of your lifetime. Even worse, some unscrupulous advisors may place your money into underperforming funds from which they receive commissions.Debt means you owe someone money. However, not all debt is necessarily bad debt.Bad debt is any debt that's acquired through purchasing something that's going to lose value and generate zero revenue. Some examples of bad debt would be auto loan or credit card debt.Good debt is the opposite of bad debt. Good debt is acquired so that you can purchase something that is going to benefit you financially in the future. That means it's either going to generate income or allow you to make more money in the future.Good debt usually has a lower interest rate as well.Here are some examples of good debt:Student loans have a very low interest rate and going to school can increase your pay as an employee in the future, student loans can be considered good debt.If you're going to college just because you don't know what else to do after high school, that's probably the wrong move. You could end up wasting a lot of money studying a field that you don't even enjoy. Then you'll be stuck working a job you hate to pay off your student loans. Not fun.Mortgages are generally considered as good debt. Mortgage are usually long-term loans with low interest rates, so you'll still have money freed up for investments and such. The interest from mortgages is also tax deductible, so that's a bonus.In the end, it's up to you to decide whether purchasing a home is the right move, as the value of a house will not always rise as some people think. You'll also have to add in the expenses of property tax, utilities, and home insurance.Tis the season to be generous, but lavish holiday purchases could ultimately affect whether you enter the New Year feeling prosperous or cash-strapped. Holiday gifts don’t need to be costly or elaborate, in fact, heartfelt presents often mean more. If you’re concerned about sustainability, could you save money, and the earth’s resources, by crafting eco-friendly homemade gifts?This personal finance tip is another common one that can have a huge impact on your finances. When you pay yourself first, you're investing in your financial future; you're investing in future you, and future you will thank present you for doing so.So, pay yourself at the end of the month. That's a lot easier, right?The reason why paying yourself first works so well is that once that money is sent to a savings account, you're a lot less likely to spend it. If you wait until the end of the month to pay yourself, you might not have any money left! Make future you happy by investing in yourself!Set Specific Financial GoalsUse numbers and dates, not just words, to describe what you want to accomplish with your money. How much debt do you want to pay off—and when? How much do you want saved, and by what date?Draft a Financial Vision BoardYou need motivation to start adopting better money habits, and if you craft a vision board, it can help remind you to stay on track with your financial goals.Learn How to SavorSavoring means appreciating what you have now, instead of trying to get happy by acquiring more things.Banish Toxic Money ThoughtsHello, self-fulfilling prophecy! If you psych yourself out before you even get started (“I’ll never pay off debt!”), then you’re setting yourself up to fail. So don’t be a fatalist, and switch to more positive mantras.Make Bite-Size Money GoalsOne study showed that the farther away a goal seems, and the less sure we are about when it will happen, the more likely we are to give up. So in addition to focusing on big goals (say, buying a home), aim to also set smaller, short-term goals along the way that will reap quicker results—like saving some money each week in order to take a trip in six months.Get Your Finances and Body in ShapeOne study showed that more exercise leads to higher pay because you tend to be more productive after you’ve worked up a sweat. So taking up running may help amp up your financial game. Plus, all the habits and discipline associated with, say, running marathons are also associated with managing your money well.Get a Money BuddyAccording to one study, friends with similar traits can pick up good habits from each other—and it applies to your money too! So try gathering several friends for regular money lunches, like this woman did, paying off $35,000 of debt in the process.If one of your goals this year is to build wealth then these five personal finance habits will get you there. At the end of the day, the steps to take are very simple, it’s acting them out that will be a test of character.