Examples:
Pay off your credit card every month (don't have a balance that carries over, you will waste your money on interest charges!)
No matter what your age, save into a retirement account (the earlier, the better); and do this regularly -- IRA or 401k/403b are great investment vehicles
Live below your means! If you earn a take home pay of $35,000/year; your expenses should not be more than that each year! You will just set yourself up for financial disaster!!
Keep positive, and make small changes -- you will see the difference!
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