If Money Grew On Trees

But, it doesn’t, so build a budget! Use a plan to manage your money and stay out of debt.

*  Identify your life goals and financial priorities.

*  List all sources of income.

*  Keep a log of everything you spend.

*  Use a software program or a free app, such as one fromintuit.com.

*  Include a savings plan in your budget, such as through your company’s 401K and a direct deposit into a savings account.

*  Pay credit card balances in full. If you can’t do this, make more than the minimum payment.

*  Pay down credit card debt. Start with the card that has the lowest balance.

*  Don’t be late making payments.

*  Don’t use credit cards for cash advances.