Most important thing in personal finance is knowing your personal habits of expense and saving. For example what is it that i spends most on, movies, outing, dinner etc. Once you know what is it you spend most you can either cut short these or have a cheaper option around it for example if you are movie fanatic may be watch movies in home instead of going to movie hall (At least once in a while to save bucks) and enjoy it.
Also know your savings for example i generally dont like buying clothes somehow i feel its ok to use the existing once till it lasts, its your choice offcourse.
Based on these habits you can come up with best way to plan your savings. And save money to do what u like.
So keep tracking your expenses/spendstrackspends.com
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