A variety of money management, credit and first-time homebuyer programs are offered to schools, colleges, business, lenders, and civic organizations.
Know your priorites. Allot enough income for the essentials (shelter, utilities, food, medical, savings).
Make the budget a family project. Everyone must be involved in order for it to work.
Spending limits must be realistic
Deposit part of your income into a savings account to meet emergency expenses.
Act your own wage!