What steps can you take to reduce your financial stress?

9.   Develop a realistic budget. After tracking your expenses for a month, take a look at what you spend your money on. Make some realistic cuts that will not only reduce your expenses but provide you with extra money to help pay off any debt you may have accumulated.
10.   Pay bills immediately and consider electronic banking. Late fees add up so you want to avoid them.
11.   Educate yourself about how to manage your money. Take a few workshops on money management when you can.
12.   Avoid tempting credit card offers. Get one main credit card and a back-up in case of emergency. Department store credit cards usually have very high interest rates after their initial offer.
13.   Do not get into debt. Pay off all our debt, especially the debt with interest rates associated with it, every month.

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