We can define finances personnelles as those skills that allow you to better manage your assets. Keeping a personal balance at your own expense gives you the advantage of having a clear idea of your present, past and future financial situation. You can not effectively analyze your pockets without having a clear picture on your economic situation, so the first step is to check what and how much you have for the purpose of better managing your money.To better orientate you can calculate your CashFlow, that is your net income, that is the difference between your income and your exits. Properly managing one's personal finance can be a cure-all for one's own pockets, having the entrances and exits automatically paginated in a convenient chart or in a clear list of expenses is a valid help. Your CashFlow is the starting point for investing, saving or spending. Only good debts. The good debts produce an annuity, they are an investment for the future, these must be the majority of the debts that you will contract. Finally all in one place. Buy a piggy bank and deposit all the coins you find at home, every coin or flying banknote must be included in this deposit. Get in the habit of inserting something, little but often.