Know the difference between your necessary and discretionary expenses.

I always encourage people to pay themselves first, so I really advocate setting up direct deposit for your paycheck and establishing an automatic transfer so that part of each paycheck goes straight into your savings account.

A financial plan is a way to take all of the money advice you come across and figure out how it applies to your specific financial situation.

A good financial plan is a road map that shows us exactly how the choices we make today will affect our future.

Without any formal personal finance instruction in our high school or college curricula, many college seniors who graduate in the red will continue to make common financial mistakes that only exacerbate their debt burdens.

You should go to work every day a little bit nervous.

There are many random, unprotected sites online that appear safe to use and are ready to accept credit card information. You wouldn't give a stranger off the street your credit card information, so be extra cautious about who you are sharing it with online.