Top ten individual finance tips

It is not about how much you earn, but more about how much of it you keep, even a substantial income is not going to have you achieve your goals if you spend it all.
Know yourself financially; understand your own personal finance habits.
Create a budget for you and your family, make sure you whole family sticks to it.
Take advantage of the main long term wealth accumulation available- buy yourself and family a nice home to live in.
Make sure you have a grip on your income, expenses, assets, liabilities- you won’t know where you going unless you know where you are.
Put your assets to work for you by doing your research and investing wisely and taking advantage of growth
Get yourself some help if you feel your finances are getting out of control
Make sure you plan- without a plan you won’t have precise goals in place.
Do not spend your money on luxurious- such as boats holiday houses, do not purchase such things until your financial goals are met.
Work towards maximizing available credit and credit card rating and to minimize the amount of debt outstanding.