“Rather than saying, 'My checking account is a wreck, ' change it to 'I will learn how to track my spending and balance my checkbook.'”
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Those carrying a credit card balance should scale back to making the minimum payment each month so they have more money to put into savings.
If you are worried about job security and do not have an adequate emergency fund (ideally eight months' worth of living expenses stashed away in a federally insured bank or credit union), you need to focus more on saving money than paying down the balance on your credit cards.
It's easy to underestimate the real cost of home ownership.
We never had it as rough as the kids have it today. Look at the price of a gallon of gas or a piece of real estate or a college education.