Mobile-friendliness is another crucial ranking factor for websites in today's mobile-first world. Sites that are optimized for mobile devices and offer a seamless mobile experience are more likely to rank higher in search results than those that aren't. Human-Computer Interaction (HCI) One of the key principles of personal finance is creating and sticking to a budget. By tracking income and expenses and setting financial goals, individuals can prioritize their spending and save money for emergencies, retirement, and other future needs.