[stella7]

1. Get a financial record started; any sized notebook will do. Set up the book so that you have a space to write down what you spend and when you spent it.

2. Credit cards are convenient but they can also work against you. Try to use cash when making purchases and save credit cards for emergencies. Track all of your transactions in your financial book.

3. Keep track of all your receipts

4.Only buy what you absolutely need.

5. Pay your bills in full as they come in.