If you have any income or any return from you existing investment, the beginning of managing them is SAVE FIRST !
This may sounds old and boring to those who has heard it thousand times, but have you done it yet ? To add some spice to it, you should Save First Automatically !! Like a successful business, if you don't have a system that can run by itself, then you are most probably not having any business yet. So in Personal Finance Planning, if your Income Account is NOT Automatically SAVED into another Account, then you are most probably too dependant on self discipline that does not work in Most People ...