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Have you wanted to improve the way you manage your finances? Are you interested in finding out how you else you can reduce financial waste? Here are nine tips to help you to getting your financial house in order. 1. Know Where you Stand Financially It is difficult to plan ahead if you don't know where you're starting from. Net Worth: this is everything you own less everything you owe Net worth should be positive and growing, with assets increasing and debt shrinking. Cash Flow: all income/cash coming in less all outflows Managing money is about making choices: how much to save, spend, share, and invest. Control how much goes out by creating a budget. 2. Live Within Your Means Don't spe