Money has undoubtedly been an integral part of life. For decades and centuries, it has also been a central force for every livelihood.it is for this reason that knowing how to care for it is crucial for each one of us despite the challenges that come with acquiring it.
As the quote goes, "Money is a terrible master but an excellent servant. Having enough money to cover one's expenses is surely everyone's dream. However, for that to happen, one must have the knowledge of how to organize his/her finances.
Nowadays people spend money they earn to buy things they do not want only to impress people ignoring the fact that doing so puts them at a risk of going bankrupt. However, when we talk of personal finance we go as far as making sure that one properly uses the money earned, invests in other businesses and saves it for future use.
While it is not easy to master your personal finances due to many underlying factors such as lack of financial literacy, spiraling debts and perhaps not knowing where to start, below is a guideline on how you can live a worry-free life with your personal finances at check.

1. Make a monthly budget.
   "Budget" is not a new word to most of us. We have known it for a very long time. Essentially it goes down to just writing down how you will spend your money, what you will spend your money on and where you will spend your money. With that written down on a piece of paper and at the same time using it puts you on a stress-free life
   
2. Creating Automatic Savings.
   If you are employed, setting up an automatic savings account is very simple. While at the comfort of your home using your online bank you can schedule a recurring deposit from your checking account into a linked savings account. That way a share of your monthly pay goes directly into savings, which might help you in times of emergency. On the other hand, if you are a small business owner having a savings account is simple, you can opt either to take from your profits and save or have a fixed amount you can deposit for savings every month.
   
3. Living Within Your Means
   This is mostly done through avoiding excessive spending and prioritizing needs over wants as well as tracking your expenses to identify areas where you can cut back. In simple words, to live within your means is to spend less money than you make each month. Sticking to this personal finance concept can help you manage your expenses and improve your financial well-being while clearing your road map towards a stress-free life.
   
4. Negotiating for Goods and Services.
   Commonly known as haggling, the art of negotiating is worth keeping as it can save you lots of money on everyday expenses. In order to do that, you need to research the product or service price and manage bargaining for payment terms as well.
   
5. Getting Educated on Financial Issues.
   Lastly, financial literacy remains a topic of importance above everything else. It holds the key to a better life as well as a stable future. You can enroll in different online courses, read articles about it and enrich yourself with the knowledge needed.