Budget counseling is a program in which we will teach you sound methods of managing your money and credit to avoid financial problems.
Keep an accurate record of your cash flow and expenses in order to stick to your plan.
Refrain from using your credit to subsidize your income.
No more than 25% of your monthly income should go towards installment debt – credit cards, loans, car payments, etc.
Spending limits must be realistic
Make your spending habits consistent. Large expenses should be pro-rated over a period of time.