Persona Finance its a great tools of arranging your persona expenditures and other related issues mostly in this challeging times of this present times.

Step 1. Make the decision to become an investor, not a consumer. 
You have to commit a certain percentage of your income to savings for your financial freedom. Whatever that number is — 10%, 15% — stick to it in good times and bad.

Step 2. Make the game winnable. Figure out how much money you need for your financial security and financial independence. Calculate this and come up with a plan. Look  for places you can save more of returns

Steps 3. Adjust your spending
Look closer. Are your expenses higher than your income? If so, you’re living beyond your means. You’ll need to adjust your expenses accordingly so you don’t go further into debt.
This step is not about punishing yourself or laying blame.

 Steps 4. Write up a will
 Every adult who owns assets and has a spouse or children should have a will. An accurate and up-to-  date will is the only way to ensure your assets will be distributed the way you want them to be.

Steps 5. Create your final plan
A typical financial plan has five main parts. The first outlines where you stand right now, that’s your current situation. The second contains your top financial goals, or where you want to go. The third is a simple net worth statement. The fourth lists the steps you must take to achieve your goals.

It includes your income and expenses, an overview of your insurance, a section on retirement planning, and a section on estate planning. Finally, the fifth section—usually a separate document—is your Investment Policy Statement, which lays out how your portfolio is to be invested.