Budget

List your net income (your income after taxes and social security are withheld).

List your expenses daily, weekly, and monthly.

Savings

Pay yourself first: set up automatic savings with your bank/employer

Consider saving 10% of your income

Keep a spare change jar, and deposit that change into your savings; it can really add up!

Calculate your net worth

Your net worth is what is left after you subtract your debts from your assets.

Open a bank account

Set up direct deposit of your paycheck.

Pay attention to fees and minimum balances in deciding on the best bank for you.

if you no longer want to maintain the account you opened, be sure to close it.

Write down your goals

Make them specific

Make them visible

Put deadlines on your goals

Don’t be afraid to dream big

Using credit and credit cards

Pay off credit cards immediately and whenever possible

Use credit cards like cash-if you don’t have it, don’t spend it