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One way to help you understand, manage and protect your credit is to develop a budget of your finances. Creating and following a budget puts you in control of your money. To create a realistic budget for yourself, you need three fundamental criteria: knowledge, control and organization.


Study every expense you have and use this knowledge to gain insight into where your money goes. Try writing down all your expenses for one month (including everything from your morning coffee to your unforeseen plumbing problems). You may be surprised to see how all the small things add up. You'll soon learn that some expenses may be unnecessary, and once they're eliminated, you might not miss them at all.


This is the source of your power. Set your mind to have control over your money, so your money won't have control over you. Tell your money that you're taking charge now. Go ahead - do it!


The best part of budgeting is that you'll save both time and money and you'll be better able to use those resources for the things that really matter to you. We have all the calculators you'll need to start. Just check out our calculators/resources section, and see how easy it is. View our article on credit and financial planning.

This article is provided for general guidance and information. It is not intended as, nor should it be construed to be, legal, financial or other professional advice. Please consult with your attorney or financial advisor to discuss any legal or financial issues involved with credit decisions.


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