A variety of money management, credit and first-time homebuyer programs are offered to schools, colleges, business, lenders, and civic organizations.
Act your own wage!
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.
Deposit part of your income into a savings account to meet emergency expenses.
Make your spending habits consistent. Large expenses should be pro-rated over a period of time.