Never Get Stuck
Always make sure you have three months of your bills saved in a private place. This way you know you can always leave a situation if need be. You are not stuck and unsafe or unhappy.
It's OK To Start Slow
Even if you work out doable budget changes, there’s the impulse to do everything right now, or the idea that the minute you make any little mistake the whole effort is wasted. But that sort of reaction is harmful as well. Take steps, sure, but you don’t need to start off at a run. You’ll just be more apt to trip or get burned out.
Keep Credit And Family Separate
Keep your credit separate from your kids. Do not co-sign their college loans. Same as when you’re married, as a couple you each need to maintain separate accounts and credit.
Don’t Wait to Get Started
The best advice from all this is to never too late to start getting a handle on your finances, better sooner than later.
Think Before You Swipe
To swipe your credit card think of working back to make sure that amount withdrawn is paid back. This will help you minimize and think twice on the need for the money before you cash out.
Choose A Partner Who Is Responsible With Money
When you marry someone, you are giving them a key to every cent you have. Every mistake they make with money becomes yours to share some way.