This research is objective to study. First the study the spending behavior of working-age people. Second the measure knowledge Understanding personal financial planning. Third the suggest methods of effective personal financial management of working people. Using the framework for the study, namely personal factors Money spending behavior Financial planning. The example group was employment-age in Bangkok have a Revenue of 400 people. A questionnaire was used as a tool. And use the Statistical calculation Multiple Regression. Therefore, study was as follows: Personal factors have a positive impact on personal finance management. Statistically significant Money behavior have a positive impact on personal finance. Statistically significant Financial planning have a positive impact on personal financial management. Statistically significant.