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
Make your spending habits consistent. Large expenses should be pro-rated over a period of time.
No more than 25% of your monthly income should go towards installment debt – credit cards, loans, car payments, etc.
Look for ways of saving money on expenses and eliminating non-essential expenses (entertainment, cable, cigarettes, shopping).
Act your own wage!