Money Managing

How well do you manage your money?  Many times I see or hear folk who work day to day, but have nothing to show for it.  Or, they have new things but still have bills that aren't paid.  Effectively managing your money starts early.  As a child, being brought up without much allowed me to appreciate and save when I got older.  Are you a budget kind of person or a extreme spender?  Once you figure that part out, then you can move forward and make some changes.  What I've found helpful is to create a spreadsheet of all the bills and miscellaneous things.   Request your credit report.  It's important to view your credit report yearly.  Why not, without somewhat good credit you're basically screwed.  You might get lucky and buy a car, but paying a 23% interest isn't too lucky!  You need to visually see where your money is going.  Once you do that for about a month, then you can start improving your managing by cutting out the unnecessary purchases.  Once you start managing your money, you will find out that it makes other parts of your life easier as well.