The document provides the top 10 tips for effectively implementing personal health budgets. The tips include ensuring flexibility in how budgets can be used and held, providing information locally about how budgets work, allowing people to know their budget amounts upfront, addressing health and well-being beyond just clinical treatment, providing flexibility in choice without restrictive menus, treating individuals as partners respecting their expertise, offering ongoing support for all who need it, keeping the process simple and minimizing bureaucracy, encouraging positive risk-taking with documented risks in care plans, developing the market through coproduction to ensure choice, and conducting regular reviews based on outcomes responding to individual needs.