The trick to being successful in managing personal finance is not just being frugal or thrifty. It actually boils down to the most effective factor which is moderation. When you want to hit your money saving goals within a month, start by making adjustments to your spending habit right this very minute. It does not have to be a big change, but start with simple-to-do saving activities. Even the act of saving loose change every time you make a purchase in the grocery store can do a lot when you total everything within a year. So, always remember that the key to personal finance success is to spend in moderation and have the drive to make it happen in small steps.