I need advice to manage my personal finance. I am IT Professional and self employed fashion designer. My annual income reach up-to 4.5 lac's. I have invested money in HDFC mutual funds, some Insurance plans and in Gold. I read some articles on "Best Ways To Save Money" but I did not get satisfying information on it. Can anybody here share their ideas and views? I want to know more about saving and investing ideas because I don't understand where I spend my money every time and how should I manage my finance?