Write every soluble strong electrolyte in water (aq) as its separate ions. Keep everything else as written: solids (s), liquids such as $\mathrm{H_2O}$, gases (g), and weak acids and bases. Ions that appear unchanged on both sides are spectator ions; cross them out. What remains is the net ionic equation.
💡 Why it works
In a solution of $\mathrm{AgNO_3}$ there are no $\mathrm{AgNO_3}$ units, only $\mathrm{Ag^+}$ and $\mathrm{NO_3^-}$ ions moving independently, and the same goes for NaCl. When the solutions mix, $\mathrm{Ag^+}$ and $\mathrm{Cl^-}$ lock together into solid AgCl; the $\mathrm{Na^+}$ and $\mathrm{NO_3^-}$ ions just float around before and after. Writing the spectators in suggests they take part, which they don't. A weak acid such as acetic acid, though, is mostly whole molecules in solution, so it is written whole: that is what actually meets the base.
Silver nitrate and sodium chloride solutions mixed. Silver and chloride ions gather as solid AgCl; the ringed sodium and nitrate ions are spectators.
✏️ Worked example: A precipitation
Write the net ionic equation for mixing $\mathrm{Pb(NO_3)_2(aq)}$ and $\mathrm{KI(aq)}$, which forms solid $\mathrm{PbI_2}$.
Splitting things that don't exist as free ions (a solid precipitate, water, a gas such as $\mathrm{CO_2}$, or a weak acid), or leaving spectator ions in the "net" equation. Check: everything in a net ionic equation should change; if an ion appears identically on both sides, cancel it. And the charges must balance on both sides.
Practice
Pass with 3 right answers, the last 2 in a row. Each right answer earns 2 XP.