A variety of money management, credit and first-time homebuyer programs are offered to schools, colleges, business, lenders, and civic organizations.
Look for ways of saving money on expenses and eliminating non-essential expenses (entertainment, cable, cigarettes, shopping).
Act your own wage!
Make your spending habits consistent. Large expenses should be pro-rated over a period of time.
Make the budget a family project. Everyone must be involved in order for it to work.
Keep an accurate record of your cash flow and expenses in order to stick to your plan.