A variety of money management, credit and first-time homebuyer programs are offered to schools, colleges, business, lenders, and civic organizations.
Spending limits must be realistic
Refrain from using your credit to subsidize your income.
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.
Act your own wage!