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Have a budget : Instead of focusing on the process of creating a budget, focus on the value that budgeting will bring to your life.
Use the budget: Your budget is useless if you make it then let it collect dust in a folder tucked away in your bookshelf or file cabinet.
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Track your spending : Small purchases here and there add up quickly, and before you know it, you’ve overspent your budget.
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Don’t commit to any new recurring monthly bills: Just because your income and credit qualify you for a certain loan, doesn’t mean you should take it.
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Make sure you’re paying the best prices: Look for discounts, coupons, and cheaper alternatives whenever you can.
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Save up for big purchases: The ability to delay gratification will go a long way in helping you be better with money.
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Limit your credit card purchases : You simply turn to your credit cards without considering whether you can afford to pay the balance.
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