Personal finance is not a difficult subject to tackle -- it does not need learners to identify certain ideas or concepts. All one needs in financial education is discipline. The ability to identify money one could spend and should keep is all what personal finance truly is.
The first thing any saver should know is prioritising the items on their list of financial responsibilities. The first of these would be bills, second of which would be their debts and loans.
Last would be the things they want or do not need immediately. It is easy to lay down on paper, but could be very difficult to enforce in one's monthly or regular income.
The best way to begin is to do it slowly with small things. Set reminders to pay for bills first before spending any money on items that are below-priority. Once the body memorizes these by instinct, one just spends money on things in an organised manner. Until eventually, one develops the discipline effectively.
Third, the only way to ensure one's financial success and discipline is to have a financial goal. Student debt holders must calculate the amount they need to repay on a monthly basis to ensure they pay the right monthly amounts. Focus on this financial goal; break into small pieces the objectives needed to achieve these bigger goals and focus on each one slowly.