Figure out where you stand: how much you earn, how much you owe and how much you regularly spend. Then create your budget and stick to it.
Pay off a credit card as soon as possible to reduce your interest payment. If you can't pay cards off quickly, try a consolidation loan.
Make it a habit to save and invest. Contributing to an employer plan that offers the benefit of tax-deferred growth potential is a good first step.
Accidents and illness can be financially devastating. Determine your needs and consider life insurance and disability income insurance through your employer.
Check out a homeowner's policy or renter's insurance as an inexpensive way to protect your possessions against theft or fire.
If you should become seriously ill, a Living Will can assist your family in making medical decisions according to your wishes.