1. Pay off those credit cards to get away from the interest payments.

2. Put yourself on an allowance.

3. Do not carry emergency cash around with you.

4.Take money out with a debit card, there usually is not fees for this. ALERT: If you use a bank other than your own watch out for high fee's.

5. Keep a sufficient amount in your checking account to avoid fees.

6. Purchase checks mail order or print your own.

7. Join a credit union to avoid fees.

8. Have your paycheck direct deposited so you can automatically have part of it put into your saving.

9. Have your paycheck direct deposited you do not have to waste time and gas driving to the bank.

10. Replacing item from a lost wallet or purse can get expensive. Make a list of the item and have phone number handy for lost or stolen credit cards.

11. Get a financial program on your computer. This help in the short term for organization as well as the long term spending habits.

12. Replacing item from theft or fire cost money. Get a safety deposit box. They are very inexpensive.

1. Never borrow more than you can reasonably pay off.

2. Never borrow for luxuries like sports cars and jewelry.

3. Do not borrow for luxuries that take away the borrowing power to borrow for necessities like furniture and home improvements.

4. Make sure to reserve some borrowing capacity for emergencies such as unexpected medical bills and car repairs.

5. Send in your credit card bill as soon as you get it. This will result in lower interest paid.

6. Pay more than the minimum payment.

7. Pay off the highest interest cards first.

8. Never take the card issuers offer to make no payments for one month. Always make some kind of payment.

9. It is easier to keep track of your cards if you have less. So consolidate them.

10. Having more than one credit card spurs impulse spending.

11. Reduce the risk of losing credit cards by having less of them. This also reduces the chance of one of them being stolen.

12. Consolidating credit cards offers a chance to have a lower interest rate instead of a higher one.

13. Do not ever use cash advances with the credit cards.

14. Read the fine print when getting a low interest credit card, the "teaser rates".

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