Budget counseling is a program in which we will teach you sound methods of managing your money and credit to avoid financial problems.
Make your spending habits consistent. Large expenses should be pro-rated over a period of time.
Act your own wage!
Look for ways of saving money on expenses and eliminating non-essential expenses (entertainment, cable, cigarettes, shopping).
No more than 25% of your monthly income should go towards installment debt – credit cards, loans, car payments, etc.
Spending limits must be realistic