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).
Spending limits must be realistic
Make the budget a family project. Everyone must be involved in order for it to work.
Act your own wage!
Make your spending habits consistent. Large expenses should be pro-rated over a period of time.