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.
Know your priorites. Allot enough income for the essentials (shelter, utilities, food, medical, savings).
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.
Make the budget a family project. Everyone must be involved in order for it to work.
Act your own wage!