Everyone want to earn more money. Don't you? 
But mastering your money is also important, no matter you earn a lot or just enough. Mastering your money will help you keep your financial balance.
Here are some methods for you.
- Track every penny you spend
The authors of Your Money or Your Life admonish readers to “keep track of every cent that comes into or goes out of your life.”
You can track your spending on paper or online. But make sure that you stick with it and make it a habit. - Develop a budget
According to The Millionaire Next Door, budgeting is one thing that sets the wealthy apart from the rest of us — 55% of millionaires keep a budget.
Even you are not millionaire now, budgeting still help you mastering your money. There is a saying: "Spend less than you earn". At least your earning is your budget. Or you may fall into debts. If you want saving money. You need a budget that have some money left. - Optimize your accounts
To optimize your accounts:- Open an online high-yield savings account.
- Choose a rewards checking account.
- Use a rewards credit card.
A tip: When optimizing your banks and credit cards, consider using multiple accounts at each institution.
- Start an emergency fund
Life is full of dangerous things. Something bad may happen in an unknown date. If you have no emergency fund, you may need high-interest debts to overcome it. So starting an emergence fund may also help you saving money.
You can starting it by saving some bucks, and then add $20 or $50 more to your account ever time you get paid. - Get out of debt
Debt is the enemy of good. But if you have the mental discipline, you still save money by paying down those high-interest debts:
1. Order your debts from lowest balance to highest balance.
2. Designate a certain amount of money to pay toward debts each month.
3. Pay the minimum payment on all debts except the one with the lowest balance.
4. Throw every other penny at the debt with the lowest balance.
5. When that debt is gone, do not alter the monthly amount used to pay debts, but throw all you can at the debt with the next-lowest balance. - Fund your retirement
Everyone will get old. And funding your retirement earlier will help you have a better life later. You can start buying stocks for your retirement. Take advantage of any employer-matched opportunities, such as a 401(k). Also consider starting a Roth IRA. - Automate your finances
Automate your finances, so you won't forget to do something. And you can have more time to earn extra money or enjoy your life.
One advantage of automation would be: when pay your bills and do your saving and investing automatically, it’s easy to tell how much you have left over to spend at the end of each month! - Earn extra money
There are lots of ways to earn extra money, for examples:- Ask for a raise
- Take a second job
- Use your hobbies
- Volunteer for medical research
- Sell things on eBay or Craigslist
- Educate yourself
Knowledge is power. Personal finance doesn’t have to be a mystery. Subscribe to personal finance blogs. And you can also visit your public library. Borrow money books and self-development manuals.
From the above, taking control of your finance seems to need lots of work. But that is not true, one simple solution would be setting a specific data as your personal "money day". And you can do all your money-related jobs in that day. And don't forget to reflect on money mastering skills.
You can do it and good life is there not far away.