A variety of money management, credit and first-time homebuyer programs are offered to schools, colleges, business, lenders, and civic organizations.
No more than 25% of your monthly income should go towards installment debt – credit cards, loans, car payments, etc.
Make your spending habits consistent. Large expenses should be pro-rated over a period of time.
Refrain from using your credit to subsidize your income.
Keep an accurate record of your cash flow and expenses in order to stick to your plan.
Deposit part of your income into a savings account to meet emergency expenses.