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Make your spending habits consistent. Large expenses should be pro-rated over a period of time.
No more than 25% of your monthly income should go towards installment debt – credit cards, loans, car payments, etc.
Make the budget a family project. Everyone must be involved in order for it to work.
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.