“Financial Behavior Modification Starter Guide” is a simple guide to managing your finances. The starter guide, which involves making personal changes and assuming personal responsibility for your financial future is a common sense approach to financial independence. This essential starter guide will get you started and will help you develop a well laid plan with behavior changing strategies using the ten principles of Financial Behavior Modification. These principles can be started at any phase in your financial life and if used consistently, can lead to a life time of financial independence. Financial Behavior Modification is a change in personality or attitude based on new information and experience. Financial Behavior Modification is also a technique to improve financial behavior in everyday life. The unpleasant truth is that making a behavioral change is one of the hardest things that we can set out to do. If change was easy and painless, you would see a lot more successful and happy people walking around. Accepting responsibility for your finances will not be easy. However, it will be truly worth it in the end. To achieve financial success, you must first change your behavior. You must make a Financial Behavior Modification. You must also have a financial plan. Governments and corporations (small to large) use some type of financial plan to operate successfully. They use this so that they can track what money is coming in and what money is going out. This essential starter guide will help you to develop a well laid-out plan and behavior changing strategies. Personal finance is more about behavior and less about numbers or math.