How do you manage your funds or money?

i mean in a way you wouldn't regret

to manage my spending in general i make a spreadsheet. at the top i put the amount of my paycheck for the week then below that deduct all my essential bills for the week. with an inserted formula i know how much i have left over for the week. so i dont say well in my account theres 100 right now so i can spend maybe 50 of that right now. i look to the end of the week and see that by the end of the week maybe i only have 20 after bills! so if i spend that 50 right now ill be short 30 before the week is through!! this could help you avoid spending money you wont have which is a first step in management. i make a new section starting with every paycheck and deduct upcoming bills so i always stay on top of things and dont end up short and have to rely on credit.

bank safty is best .

You have to educate yourself. It's not a great idea just to trust an accountant, broker or money manager because they are motivated to sell you on investments that get THEM the highest fees/percentages. A dead giveaway is if the first thing they mention is an annuity. They get high fees for an annuity. It's better to do it yourself, and not that hard.
You can start out easily with those "Personal Finance for Dummies" or "Idiot's Guide to Investing" kind of books. They're very helpful explaining the basics of different kinds of investments, as well as how to handle your daily finances. After that, get something like those Suzie Orman books (that woman on PBS specials). I also started reading financial magazines like Kiplinger's and Money. It takes a while, but better safe than sorry. (My parents had some terrible experiences with crooked accountants, and I never forgot that lesson. Be responsible for your own money.)

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I created an "Asset Allocation" that works for me. I've invested in mutual funds (no-load) and spread the allocation as I had planned. I re-balance that allocation every 6 months to a year (to meet the original goal).

This has worked well for me. Learn about "asset allocation" and you'll understand.

Good luck!