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!
Spending limits must be realistic
Know your priorites. Allot enough income for the essentials (shelter, utilities, food, medical, savings).
Refrain from using your credit to subsidize your income.
Make your spending habits consistent. Large expenses should be pro-rated over a period of time.