{"id":1756,"date":"2025-10-14T03:23:57","date_gmt":"2025-10-14T03:23:57","guid":{"rendered":"https:\/\/www.bearsavings.com\/blog\/?p=1756"},"modified":"2025-10-14T03:23:59","modified_gmt":"2025-10-14T03:23:59","slug":"getting-started-personal-finance","status":"publish","type":"post","link":"https:\/\/www.bearsavings.com\/blog\/getting-started-personal-finance\/","title":{"rendered":"How to Start Your Personal Finance Journey: 12 Reliable Tips to Take Control of Your Money"},"content":{"rendered":"<div style=\"margin-top: 0px; margin-bottom: 0px;\" class=\"sharethis-inline-share-buttons\" ><\/div>\n<p class=\"wp-block-paragraph\">Money is freedom, choices, and peace of mind.&nbsp;An early start on your personal finance journey helps you develop money-management skills that can free up your time and energy in the long run.&nbsp;Whether you\u2019re just starting your first job or already deep in debt, getting financial awareness sooner is one of the best investments you\u2019ll ever make.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The reason many people avoid their finances?&nbsp;It\u2019s daunting to even think about where to start.&nbsp;But it doesn\u2019t need to be.&nbsp;In fact, once you wrap your head around some basic concepts and implement a system, real change is inevitable.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_89 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.bearsavings.com\/blog\/getting-started-personal-finance\/#Step_1_Know_Where_You_Stand\" >Step 1: Know Where You Stand<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.bearsavings.com\/blog\/getting-started-personal-finance\/#Step_2_Create_a_Simple_Budget\" >Step 2: Create a Simple Budget<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.bearsavings.com\/blog\/getting-started-personal-finance\/#Step_3_Build_an_Emergency_Fund\" >Step 3: Build an Emergency Fund<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.bearsavings.com\/blog\/getting-started-personal-finance\/#Goal_3_to_6_months_worth_of_essential_expenses\" >Goal: 3 to 6 months\u2019 worth of essential expenses.<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.bearsavings.com\/blog\/getting-started-personal-finance\/#Step_4_Pay_Off_High-Interest_Debt\" >Step 4: Pay Off High-Interest Debt<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.bearsavings.com\/blog\/getting-started-personal-finance\/#Step_5_Save_for_Long-Term_Goals\" >Step 5: Save for Long-Term Goals<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.bearsavings.com\/blog\/getting-started-personal-finance\/#Step_6_Automate_Investments\" >Step 6: Automate Investments<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.bearsavings.com\/blog\/getting-started-personal-finance\/#Step_7_Dont_Forget_Insurance\" >Step 7: Don\u2019t Forget Insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.bearsavings.com\/blog\/getting-started-personal-finance\/#Step_8_Keep_Tracking_and_Learning\" >Step 8: Keep Tracking and Learning<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.bearsavings.com\/blog\/getting-started-personal-finance\/#Step_9_Make_Systems_Not_Willpower\" >Step 9: Make Systems, Not Willpower<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.bearsavings.com\/blog\/getting-started-personal-finance\/#Step_10_Avoid_Lifestyle_Inflation\" >Step 10: Avoid Lifestyle Inflation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.bearsavings.com\/blog\/getting-started-personal-finance\/#Step_11_Surround_Yourself_with_Positive_Financial_Vibes\" >Step 11: Surround Yourself with Positive Financial Vibes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.bearsavings.com\/blog\/getting-started-personal-finance\/#Step_12_Dont_Race_Against_Others\" >Step 12: Don\u2019t Race Against Others<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.bearsavings.com\/blog\/getting-started-personal-finance\/#Final_Tip_Learning_by_Doing\" >Final Tip: Learning by Doing<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_1_Know_Where_You_Stand\"><\/span>Step 1: Know Where You Stand<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Financial planning starts with an honest assessment of where you are.<\/li>\n\n\n\n<li>Income: Net income (after-tax) from salary, business, and side hustles.<\/li>\n\n\n\n<li>Expenses: All outgoing cash flow\u2014rent, bills, groceries, subscriptions, etc.<\/li>\n\n\n\n<li>Debt: Credit cards, student loans, car loans, etc.<\/li>\n\n\n\n<li>Savings &amp; Investments: Cash, stocks, and retirement accounts held.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">As a simple rule, if you can\u2019t tell someone exactly where all your money went last month, then you\u2019re not managing it\u2014you\u2019re reacting to it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tip: If possible, track your spending with a budget app like YNAB, PocketGuard, or Money Manager to automatically categorize your expenses.\u00a0You can also track manually for a month with a spreadsheet.\u00a0Tracking expenses is more about awareness than perfection.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_2_Create_a_Simple_Budget\"><\/span>Step 2: Create a Simple Budget<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Budgets are the framework that help you give your money a purpose.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here\u2019s one of the simplest yet effective budgeting systems, the 50\/30\/20 rule:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>50% for needs (rent, utilities, groceries)<\/li>\n\n\n\n<li>30% for wants (entertainment, travel, dining out)<\/li>\n\n\n\n<li>20% for savings or debt repayment<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">If you\u2019re carrying high-interest debt, funnel most available cash into debt repayment first before discretionary spending.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tip: Automate your transfers.\u00a0The day your paycheck hits, have the savings\/investment amount automatically transferred to a separate account.\u00a0Out of sight, out of mind.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_3_Build_an_Emergency_Fund\"><\/span>Step 3: Build an Emergency Fund<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The biggest financial hazards are unplanned: a medical emergency, a layoff, or an urgent trip.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">An emergency fund serves as a buffer to stop you from falling back on high-interest credit cards during rough patches.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Goal_3_to_6_months_worth_of_essential_expenses\"><\/span>Goal: 3 to 6 months\u2019 worth of essential expenses.<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If that goal seems too distant, just start with $500.&nbsp;Build it little by little from each paycheck.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tip: To make your emergency fund separate and less accessible, open a high-interest savings account labeled \u201cEmergency Fund\u201d.\u00a0Out of sight, out of mind.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_4_Pay_Off_High-Interest_Debt\"><\/span>Step 4: Pay Off High-Interest Debt<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">High-interest debt is your financial worst enemy, robbing you of wealth before you even make a dollar.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Credit cards, payday loans, or any debt over 18\u201325% annual interest should be wiped out before you start investing aggressively.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Two popular methods for tackling debt:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Debt Snowball Method: <\/strong>Focus on smallest debt first for wins early.<\/li>\n\n\n\n<li><strong>Debt Avalanche Method:<\/strong> Focus on highest-interest-rate debt first for most savings.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Tip: Consolidate debt into a lower-interest personal loan if possible.\u00a0Then, avoid taking on new debt as you\u2019re paying off old debts.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_5_Save_for_Long-Term_Goals\"><\/span>Step 5: Save for Long-Term Goals<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Short-term goals are needs, long-term goals are wants.&nbsp;Once your current needs are met, start planning for the future.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Examples of long-term goals:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Buying a house<\/li>\n\n\n\n<li>Funding your child\u2019s education<\/li>\n\n\n\n<li>Retirement savings<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">You never think you\u2019ll ever need retirement savings until you\u2019re already there.&nbsp;The younger you start, the smaller the monthly contribution can be.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Example: <\/strong>Saving just $200 per month with a 6% return rate can accumulate to almost $200,000 in 30 years.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Delay by 10 years, and you only have $100,000.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_6_Automate_Investments\"><\/span>Step 6: Automate Investments<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Investing early isn\u2019t just for stock market gurus.<br>It\u2019s more about putting your money to work via low-cost, diversified index funds or ETFs.&nbsp;Index funds are managed portfolios that match the returns of the stock market with minimal fees.&nbsp;They historically outperform most active investors over the long run.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tip: Set up auto-investing each month into:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A broad-based index fund or ETF (e.g.&nbsp;S&amp;P 500 ETF)<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A global diversified ETF<\/li>\n\n\n\n<li>Retirement accounts (401k, CPF Investment Scheme, or IRA equivalents by country)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Don\u2019t try to time the market.&nbsp;Simply do \u201ctime in the market\u201d, not \u201ctiming the market.\u201d<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_7_Dont_Forget_Insurance\"><\/span>Step 7: Don\u2019t Forget Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Budgeting also means protecting your assets with good insurance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Illness, accidents, or unfortunate events can cost you years of savings if you\u2019re uninsured.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Priority insurance cover types to get:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Health insurance:<\/strong> Non-negotiable.<\/li>\n\n\n\n<li><strong>Term life insurance: <\/strong>To protect your dependents if something happens to you.<\/li>\n\n\n\n<li><strong>Disability insurance: <\/strong>To protect your income if you\u2019re unable to work.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Tip: Don\u2019t buy the more expensive whole life or investment-linked policies until you have the emergency fund and investments in place.\u00a0Stick to simple term coverage with affordable premiums.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_8_Keep_Tracking_and_Learning\"><\/span>Step 8: Keep Tracking and Learning<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Your personal finances are not a static spreadsheet you do once.&nbsp;They\u2019re a dynamic practice that you should monitor and adjust to as your life changes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Track your expenses for a few months, then regularly update your budget.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Celebrate small wins\u2014like finally achieving your first savings goal, or paying off that first credit card.&nbsp;Momentum builds slowly, then all of a sudden.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Reliable Resources to Learn From:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Books: The Simple Path to Wealth by JL Collins; Your Money or Your Life by Vicki Robin<\/li>\n\n\n\n<li>Websites: <a href=\"https:\/\/www.bearsavings.com\" target=\"_blank\" rel=\"noopener\" title=\"BearSavings.com\">BearSavings.com<\/a>; Investopedia or <a href=\"https:\/\/mrmoneymustache.kit.com\/1358a01cc7\" target=\"_blank\" rel=\"noopener\" title=\"Mr Money Mustache\">Mr Money Mustache<\/a><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_9_Make_Systems_Not_Willpower\"><\/span>Step 9: Make Systems, Not Willpower<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Willpower and motivation alone won\u2019t work for building consistent financial habits.<br>Consistency over intensity is key.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Implementing small financial habits one at a time is more effective than overhauling all your finances in one weekend.&nbsp;These daily rituals are your pillars of support:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pay yourself first (automate savings).<\/li>\n\n\n\n<li>Track your net worth monthly.<\/li>\n\n\n\n<li>Audit all your subscriptions every quarter.<\/li>\n\n\n\n<li>Raise investment contributions every time your salary increases.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Systems should be designed to operate automatically on autopilot.<br>You don\u2019t rely on motivation\u2014instead, you build the structure that makes doing the right thing frictionless.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_10_Avoid_Lifestyle_Inflation\"><\/span>Step 10: Avoid Lifestyle Inflation<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you get a raise or promotion, the first thing you do is upgrade your lifestyle?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">New apartment, car, restaurants, gadgets.&nbsp;But then you realize it all cost a lot more than you thought, and your savings is still stagnant.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Lifestyle inflation is the result of valuing perceived wealth rather than true wealth.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Real wealth isn\u2019t your income, it\u2019s your net worth.&nbsp;What you earn versus what you keep.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here\u2019s one way to do better with your next raise:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">50% rule: Put 50% or more of your raise into savings or investments before you start upgrading your lifestyle.&nbsp;You can afford to spend more now, and yet still be building your net worth faster.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_11_Surround_Yourself_with_Positive_Financial_Vibes\"><\/span>Step 11: Surround Yourself with Positive Financial Vibes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Who you hang around with matters a lot more than you realize. Do you have friends who are overspenders or prey to get-rich-quick scams?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Then the pressure to \u201cfit in\u201d will make it hard to stay committed to your financial goals.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Avoid the noise.&nbsp;Find online and offline communities who are talking about saving, investing, and building for the long term.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Read the right books, listen to the right podcasts, follow the right YouTube channels and social media influencers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Those who educate vs those who just flaunt.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_12_Dont_Race_Against_Others\"><\/span>Step 12: Don\u2019t Race Against Others<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Financial journeys are personal.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Try not to compare your financial journey to others around you.&nbsp;Everyone comes from different starting points with different background, income, and debt.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The speed doesn\u2019t matter as long as you\u2019re moving in the right direction.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Celebrate your milestones, no matter how small they are.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Saving the first $1,000.&nbsp;Paying off the first credit card.&nbsp;Switching to a better bank account.&nbsp;The wins can be small, but the momentum builds.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Final_Tip_Learning_by_Doing\"><\/span>Final Tip: Learning by Doing<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">As with any financial journey, you don\u2019t need a finance degree to start.&nbsp;But you do need some time, discipline, and a dose of curiosity.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Start with tracking your spending.&nbsp;Save before you spend.&nbsp;Invest.&nbsp;Protect your downside.&nbsp;Repeat these steps in cycles until you look back a few years later and marvel at how far you\u2019ve come.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To put your personal finance journey into practice, try<a href=\"https:\/\/www.bearsavings.com\/tools\/financial-freedom-calculator\/\" target=\"_blank\" rel=\"noopener\" title=\" BearSavings\u2019 Financial Freedom Calculator\"> BearSavings\u2019 Financial Freedom Calculator<\/a> or browse through our Daily Savings Tips for ideas to get started.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Money is freedom, choices, and peace of mind.&nbsp;An early start on your personal finance journey helps you 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