A variety of money management, credit and first-time homebuyer programs are offered to schools, colleges, business, lenders, and civic organizations.
Keep an accurate record of your cash flow and expenses in order to stick to your plan.
No more than 25% of your monthly income should go towards installment debt – credit cards, loans, car payments, etc.
Refrain from using your credit to subsidize your income.
Deposit part of your income into a savings account to meet emergency expenses.
Know your priorites. Allot enough income for the essentials (shelter, utilities, food, medical, savings).