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The internet is great. Imagine how it was 30 or 40 years ago trying to get hold of the most up-to-date information possible. Yes, there were newspaper columns and the like but the ability to get hold of such an array of informed knowledge and opinions wasn’t easily available to the average person on the street.

But the online world has changed all that. That’s why most of us don’t really have an excuse when it comes to getting hold of information. That said, personal finance problems have hit epidemic levels. That’s because it isn’t just about more knowledge.

Let’s face it, there’s more than enough info out there to go around. No, personal finance is not just about getting more information. That’s just one element. Attitude, habits, goals, intentions, discipline, motivations and so on all play their part. It’s the “personal” bit of personal finance.

So keep learning about finance. But you’ve got to learn how to manage yourself. Realize that you’ve got to get to grips with a lot more than simply knowing how to save money.