A variety of money management, credit and first-time homebuyer programs are offered to schools, colleges, business, lenders, and civic organizations.
Make your spending habits consistent. Large expenses should be pro-rated over a period of time.
Keep an accurate record of your cash flow and expenses in order to stick to your plan.
Make the budget a family project. Everyone must be involved in order for it to work.
Refrain from using your credit to subsidize your income.
Know your priorites. Allot enough income for the essentials (shelter, utilities, food, medical, savings).