Budget counseling is a program in which we will teach you sound methods of managing your money and credit to avoid financial problems.
Know your priorites. Allot enough income for the essentials (shelter, utilities, food, medical, savings).
Spending limits must be realistic
Deposit part of your income into a savings account to meet emergency expenses.
Look for ways of saving money on expenses and eliminating non-essential expenses (entertainment, cable, cigarettes, shopping).
Refrain from using your credit to subsidize your income.