Managing your personal finances can mean a range of things, from setting a strict budget to investing in stocks to expand your financial portfolio. The most important thing, though, is to make sure that you always keep your debt in a manageable place and don’t forget to pay bills if you do choose to expand your finances. While it will improve your credit score to start investing, you’ll only hurt yourself in the long run if you miss bill payments while getting caught up in the excitement. You’ll end up hurting your score more.