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No. of Recommendations: 7
1) Do not buy items you don't need. I research major purposes to no end. Sometimes I will research something on sale instead of impulse buying, and then when I am ready it is no longer on sale. That is a sign.

2) Do not go deeply into that debt night. Having credit is a wonderful feeling, but if you are borrowing money to make minimum credit card payments, putting off doctors visits or avoiding eating because you do not have enough money, you have a problem.

3) Do not pay bills late. Creditors hate that, and won't hesitate to report your deadbeat status to the credit reporting agencies. But they also love it, collecting fees and interest. So they get you coming and going. Worst, it can affect your ability to secure utilities or be chosen for a new job.

4) Do not have too many credit cards. Every store wants you to buy their loyalty card, offering discount incentives and such. But the more cards you carry, the more likely you are to buy what you don't need.

5) Do not ignore your expenses. We get into such a habit of paying off the credit card bill, it is easy to miss patterns of your moving away from priorities and savings goals. Keep track of everything you charge, and treat your ATM withdrawals like petty cash for which each dollar must be accounted.

6) Do not ignore your future. Learn to pay yourself first, even before you pay your bills you should consider your savings goals. The younger you are, the bigger the benefit this can be.

7) Do not accept the fees. Don't throw away money - use your own bank's ATM. Don't wait to pay your bill until there is a fee for last minute ACH debits. Know what you have in the bank; don't bounce checks or debit card transactions.

Who figures you are like me and earn your money, and does not want to see you throw it away...
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