You don't have to be an expert to manage your money well. You can improve your finances and increase the amount of money you have in the bank with simple tips for managing your finances.One best practice for maintaining healthy credit is to only use two to four different credit cards. Using only one card means it will take a long time to build a good credit score, and more than four cards means you cannot manage your finances efficiently. If you want to build credit, keep two cards and don't add others unless necessary.If you find yourself using a bank debit card, consider switching to a credit card. Once you've been approved for a card, try to use it for your daily purchases, like groceries and gas. Most credit cards have a rewards program that allows you to earn a point for each dollar you spend. You can then redeem these points for cash, goods, or services.Consider buying international investments. The simplest way to invest internationally is through a no-load mutual fund, which provides diversification and greatly reduces the expense and amount of research needed to buy individual foreign stocks.If you are experiencing difficulties paying your credit cards, you should refrain from charging them. Reduce your expense as much as you can and find another payment method to avoid maxing that card out. Don't use your card until your monthly balance has been paid off.To keep your finances in check it is important to avoid going into to debt with credit cards. It is important to consider every credit card charge very carefully before making a purchase. You must take the time it takes to pay it off into consideration. You should stay away from any credit card charge that can't be paid off within 30 days.You should open a savings account where you can sock away money to use in the event of an emergency. You should also put money away for long term spending goals like college tuition, or a relaxing vacation.You can save quite a bit of money if you prepare meals at home, rather than dining out every night. It is almost cheaper to eat at home. A nutritional meal for an average family costs less than $30 at home. Calling the pizza delivery guy and adding on your favorite soda will typically take more out of your wallet than this.You have to start saving right away, in order to successfully manage your personal finances. Stop making excuses to avoid saving, and make it a priority. Make a habit of reserving a particular sum of money for your savings each month. You will start to accumulate money if you make paying yourself a priority.Clearly, it is possible for anyone to increase his or her net worth, live within his or her means and enjoy the pleasant financial life he or she craves. Use your head and remember these tips so you can follow a budget and decrease your debt.