Caution: If the calculated results show NaN , (Not Acceptable Number), you have entered a combination of payment amount and interest rates that will never repay the debt. Try again with a higher payment or lower interest rate.
Act your own wage!
Deposit part of your income into a savings account to meet emergency expenses.
Make the budget a family project. Everyone must be involved in order for it to work.
Spending limits must be realistic
Refrain from using your credit to subsidize your income.