Bangalore: Most people want to start taking control of their financial life, but have no idea where to get started. With the world in the shape it is today, managing personal finance should be at the top of everyone's list. Since most of us are not educated about managing personal finance, we seek to get educated when the motivation hits us. Managing personal finances does not require you to be a certified accountant. Neither does it require you to have a sophisticated financial calculator. To have a secure financial status, follow these Ten Commandments Create a Budget Never hesitate to create a budget. It helps in allocating your funds. You begin to cautiously start spending your money. And this will definitely help you get that extra money. Don't think you losing the essence of life by restricting yourself to a certain budget.