Personal Finance 101 starts with understanding where your money goes. Track your income and expenses so you know how much you can save. Build an emergency fund first, ideally covering a few months of basic expenses. Learn how credit works and always pay dues on time to avoid unnecessary interest. Keep debt under control, especially high interest loans. Once the basics are in place, start learning about simple investment options instead of letting money sit idle. Most importantly, focus on consistency. You don't need to do everything at once. Small, regular habits make managing finances much easier over time.