Financial Management
Strategies

Budget Strategies

Housing

Credit Card Strategies

Identity Theft Prevention Strategies

Entertainment

Miscellaneous

Make a monthly budget

Turn off lights when not in use

Eat out less

Avoid Late Payments

Late payments will drop your credit score each time you have a late payment.

Balance Wants v.s Needs

Pay of Balance Each Month

Needs are something you need ti survive and have a good life

Paying if the balance it important. If you don't pay off you balance that month the amount will go up because of the interest rate

If you don't pay off your balance and the amount keeps going up and that will drop your credit score each time.

Credit card companys can use a late payment as reason to up you interest amount.

Wants are like accessory for life. For example you don't need jewelry but you need clothes.

Get a roommate

Unsubscribe to cable TV or other TV services

Split Meals with friends

Use restaurant coupons

Eat early and take advantage of happy hours

Rent movies instead of going to the movies

Don't spend money to relieve stress

Consider wants v.s needs

Avoid impulse purchases

Personal

Mail

Banking

Limit the amount of cards in your wallet

Make hard pins

Don't give out personal information unless positive the site is real

Don't carry passwords or important information in your wallet

Don't use personal checks when traveling

Paycheck direct deposit into bank account

Resources

Don't be afraid to ask questions

Mark over address and all personal information before throwing mail away

Get mail as soon as possible