How to Get Your Finances in Order

I'm in college, and I've already fallen into that lure of getting credit and going overboard. I've finally figured out how to fix it now you should to.

Difficulty: Moderate

Instructions

Things You'll Need:

• a steady job.
• calculator
• pen and paper
• willpower

1. Take a good look at all your bills. Add all your debt up, and you'll probably be surprised at how much you have accumulated. Make sure you write it down..trust me it looks worst on paper. Start a log book of all your payments, and of your totals every month.

2. In your log book it would probably be a good idea to have plans and goals wrote out. Like what you are going to pay off each paycheck.

3. Pick the account that has the highest interest. It doesn't matter if its your lowest balance or not, pay it off first. Interest fees = bad.

4. Once you pay a card off, DO NOT, spend it again. If you have to cancel the card, and cut it up. Keep yourself out of trouble.

Tips & Warnings

• Only pay the amounts that you honestly can pay. Don't get panicked and pay things off with money you don't have.
• Make sure to include dates with your log book.
• When you go out only spend cash. Keep those credit cards in check.