Refrain from using your credit to subsidize your income.
Deposit part of your income into a savings account to meet emergency expenses.
Make the budget a family project. Everyone must be involved in order for it to work.
No more than 25% of your monthly income should go towards installment debt – credit cards, loans, car payments, etc.
Know your priorites. Allot enough income for the essentials (shelter, utilities, food, medical, savings).