1. Know your goal.
If you have a journal, write down your goal, a material that you think you can possibly purchase so that at least you can have directions, it would also be better if you have short and long term goals, if you have not started this, start on a mission of achieving short term goals like small stuffs, a gadget that you wanted to buy, in the end, it would be very rewarding, there are things that you will learn about yourself that can help you plan on how you can achieve your long term goals.

2. Focus on what you not on what you WANT.
From your list of goals, you have to be very careful to know on things that you need most. Try to realize if those things are really necessary or if those things can wait.

3. Be prepared on times of emergency.
Always make sure that you have an alloted savings for emergency situations, it should at least cost a month of your income. And just use during times of EMERGENCY only.

4. Be conscious about time.
Basic knowledge about money is to save money on bank, ideally its correct but not very practical since interest rates are higher than depreciation rates. Try to look for other types on investments like mutual funds, stocks, forex, etc. There are risks but theres so much for you to learn and make sure that the money that you are going to use for this are idle money.

5. Choose carefully.
In drawing up your list of goals, you should look for things that will help you feel financially secure, happy or fulfilled. Some of the items that wind up on such lists include building an emergency fund, getting out of debt, and paying kids' tuitions. Once you have your list together, you need to rank the items in order of importance.

6. Don't forget your family members.
if you have your own family, they maybe your whole plan, do not forget to take insurance for yourself for you and for them. At least 3% of your annual income is alloted for insurance.

7. Start now.
What are you waiting for? When? Act now and start now, grab a pen and paper before you sleep or especially if you can't sleep, start asking yourself on things that you need and what are your plans for tomorrow, on the coming week, months and years.

8. Be prepared for some changes.
Your goal may change because of your age, current location or job, be prepared for it, you know yourself, decide the right thing to do.