Have Goals

In order to get a grasp on where you are at financially, a good place to begin is to get a sense of where you currently are and where you are planning on going in life.

What are your goals? What steps are you taking now in order to reach those goals?
Reducing your debt
Increasing your investments
Saving more money
Planning for large purchases on the horizon
Your first step for expanding your financial security is to clearly establish these goals!

Follow a budget
So the first question becomes, do you have a budget?
Essentially, a budget is a comparison of what you take in (your income) verses what you spend (your expenses).
Do you know what you spend your money on each month?
Are you paying yourself each month via putting some money into savings, investments, etc.?
Are there things, which you spend money on but could live without, thus increasing your ability to pay off debt or save more?

Build Credit
Credit cards are powerful financial tools. They help you establish a credit history. They give you payment flexibility and protect you from needing to carry cash. They also come with rewards programs, allowing you to earn points, miles or cash-back for your regular, everyday purchases. But for some people, credit cards can be negatively powerful as they allow those who don’t follow a budget to spend above their means and rack up massive amounts of debt. While “planned debt” (such as borrowing to remodel your home or making a large purchase such as a car) is something most of us plan for and build into our monthly budgets, “unnecessary debt” and the interest payments that go with it should be avoided at all cost.

Use Coupons
Why pay full price for anything when you have access to so many great coupons, discounts and offers out there? Yes, it takes a little time to find and “clip” those coupons, but the time is worth it when you can save hundreds (if not thousands) of dollars each year.

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