If you know where your money is going it will be easier to make changes if you need to..
Do you really need that 42-inch flat screen television? When money is tight it should not be spent unless absolutely necessary.
While it may make things easier now, using credit only increases your monthly payments in the future.
Have some of your income directly deposited into your savings account or set up an automatic transfer each month from your bank to your savings account or credit union.
Review the coverage for all your plans. You may have too much and be wasting money or too little and not be adequately covered.
While you may feel good while you are spending the money, you may wish you had the money later.
Can you get a cheaper cable package or have no cable at all? If you have a Mobile phone consider cutting your land line.
Turn off appliances and lights when they are not needed. Purchase energy-efficient light-bulbs. When you can put on a sweater instead of turning on the heat.
It makes sure your payments are received on time and no arrears.
Even if the meal is not expensive, doing it frequently can really add up. A €10 pizza once a week will cost you over €500 a year!