Set GoalsGoals are what keeps us motivated. 3 to 4 simple goals are great. For example: “to buy a home” or “send my son to school”
Maintain an Emergency FundHaving a cushion reduces stress and prevents problems. Set aside enough to cover recurring bills or unexpected expenses.
Automate Bills and SavingsSet up transfers every paycheck or every month. If you wait to save, there never seems to be anything left. You can always tap into your savings during the month if needed.


Use a System to Manage Multiple AccountsSome accounts are for making ends meet, others are more for long-run, like retirement. Online tools might help. Keep fees as low as you can.
Maximize Savings MathcesIf your employer has a retirement plan and offers a match, save at least enough to get all the match you can qualify for. It is like a bonus.
Pay Attention to Spending & Due Dates Every MonthIt’s easy to lose track of what you spend. Check your accounts frequently. Make sure to keep track of due dates. Set up a system so you can pay every bill on time.

Use InsuranceShop around for a auto, home and life insurance policy. Insurance can protect you from hardships. You may also want to shop around for disability insurance.
Pay Off Credit Cards in FullPayment cards are convenient, but if the card offers you the ability to revolve or carry the balance month to month, it can become expensive. Pay off the balance every month if you can.
Watch for Fees and CostsNo matter what kind of financial service, subscription, investment or loan, be sure to shop around, read the fine print, and ask questions.