20 Personal Finance Tips For 2009

1. Track every penny of your spending for two weeks.

2. Establish due dates for your financial goals.

3. Pay yourself first; use direct deposit to save easily.

4. Get your free credit report at ww.annualcreditreport.com. ( note: only accessible through ISPs located within the United States and its territories)

5. Pay down credit card debt.

6. Evaluate the cost of your current lifestyle.

7. Make one change in your spending each month.

8. Teach your kids the difference between wants and needs.

9. Build a rainy-day fund.

10. Read the fine print to understand credit card interest and fees.
11. Save your change.

12. Create a written spending plan for each paycheck.
13. Pay bills on-time, every time.

14. Learn to balance your checkbook.

15. Buy a shredder and use it.

16. Participate in your company's 401k.

17. Protect that important number. Don't carry your Social Security card in your wallet.

18. Start a holiday fund.

19. Know your credit score and what it means.

20. Start making changes today. If you need help, contact Consumer Credit Counseling Services.

source: kmbc.com
image: www.crosland.com