Set aside time at home to record all of your expenses, bills, and loan payments for the month.

Make sure you have current information about all of your debts. You may need to order a credit report or contact your creditors for more information.

It is helpful to set up your own system for managing money. Set aside a place at home to keep your bills and receipts. Schedule a time for bill paying and planning. You need a system that works for you, or you will stop using it. It can be as simple as pencil and paper or you can create an excel spreadsheet or use one of the many websites or apps designed to help you manage money.

 

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