Spend less than you earn. This one, simple practice will save you a world of trouble. As Dave Ramsey says, "act your wage."
Use your bank’s auto-pay system. Setting your recurring bills on auto-pay helps ensure you’ll never miss a payment and incur costly late payment fees.
Limit others’ access to your money. Beyond creating strong passwords, make sure you maintain control by sending payments rather than allowing others to draft your account.
Read the fine print. Don’t sign any financial documents until you understand exactly what you’re agreeing to.
Keep college loans under control. Don’t spend more on higher education than you’ll earn in the first year.
Protect yourself and your family. Cover the basics with life, health, home and auto insurance.
Pay down debt. It really doesn’t matter if it’s good or bad debt. Simplify life by getting rid of any debt that’s hanging over your head.
Educate yourself. Protect against scams by arming yourself with information from multiple independent sources.
Practice giving. Sharing your wealth with others fosters an attitude of abundance that permeates your entire life.
Pay yourself first. Every time you earn money, set aside a predetermined percentage for both long- and short-term savings.