Steps you can follow to manage your money and create a financial plan:

1. Determine your financial goals: What do you want to achieve with your money? Do you want to save for retirement, pay off debt, or save for a down payment on a house?

2. Create a budget: Start by tracking your income and expenses to see how much money you have coming in and going out each month. Use this information to create a budget that helps you meet your financial goals.

3. Save and invest: Set aside a portion of your income for savings and investments. This will help you build financial security and achieve your long-term goals.

4. Manage debt: If you have high levels of debt, create a plan to pay it off as soon as possible. Consider consolidating your debts or negotiating with creditors to lower your interest rates.

5. Protect your finances: Protect yourself and your assets by purchasing insurance and creating an estate plan. This may include life insurance, health insurance, and a will or trust.

6. Stay on track: Review and update your financial plan regularly to make sure you are on track to achieve your goals. This may involve adjusting your budget, saving more, or making changes to your investment portfolio.