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Know your priorites. Allot enough income for the essentials (shelter, utilities, food, medical, savings).
Keep an accurate record of your cash flow and expenses in order to stick to your plan.
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).
Deposit part of your income into a savings account to meet emergency expenses.