By by Heather Graham, Sentinel News EditorFebruary 27, 2009
-- Assess your financial situation. Review your debt vs. income ratio.
-- Pay yourself first. Always have a savings fund, preferably 10 percent of your paycheck that automatically goes into a savings account.
-- Review your needs vs. wants in spending.
-- Pay down debts and eliminate unnecessary spending.
-- Set goals and stick to them. Avoid impulse buys and spending.
-- Monitor your credit report and notify institutions of fraudulent account activity.