We all work and earn money. Do we manage our hard earned money effectively and efficiently? New Year is the time to take resolutions. Why don’t you take a resolution to prioritize and organize your personal finance? Here are the 10 commandments of personal finance that can help you in managing your personal finance better. 1. Create a budget Most of us hesitate to make a budget because we think it is about cutting all the fun in life. Budgeting is not about cutting all the fun; it is about conscious allocation of funds. Once we start spending consciously, our mind will find out a whole new way of having fun within the budget. You need to create a workable budget that gives you extra money and life. 2. Spend smarter and save more Spending less and saving more are lifelong living skills that need time to develop. Unless and otherwise, you have a clear written budget, you will lose your focus and go after consumerism and materialism. To save more, obviously you need to spe