The best personal finance tips are those that allow you to take control of your spending, and make effective changes. Having a clearly defined objective helps most people with their finances; it might be saving for a house or college, or trying to lower bills. Keeping track of your spending habits and progress made also helps you to see your goals and adhere to them better. Saving money on utility bills, car insurance and cell phone plans takes some research, but it’s well worth the effort. If you have credit card balances or other outstanding loans, tackle them one oat a time to avoid being overwhelmed. And lowering your interest rate by refinancing, or moving somewhere cheaper if you rent are both ideal ways to save money. You can find online allowing you to track your spending, create a budget, and compare rates on various bills.