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.
Deposit part of your income into a savings account to meet emergency expenses.
Spending limits must be realistic
Refrain from using your credit to subsidize your income.
Make the budget a family project. Everyone must be involved in order for it to work.