| Key 1 Pay your self firstkey 2 Saving is
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| | months.Key 14 Save at least 10 percent of
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| not a punishment. Its making choices
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| | each paycheck.Key 15 Beware of small
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| about how you'll use your money.Key 3
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| | expenses. Each muffin and cup of coffee
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| Financial sucess involves hard choices.
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| | on the way to work adds up over a years
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| Be prepared to make them.Key 4 Make a
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| | times.Key make a list your basic,
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| budget and stick to it.Key 5 Future
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| | essential living costs and add them up to
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| financial independence is worth present
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| | get a real picture of what you need to
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| sacrifices.Key 6 If you cant afford it
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| | cover your monthly nut.Key 16 Avoid the
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| pay cash, pass.Key 7 Communicate with
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| | temptation of buying more than you need
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| your creditors, especially if you are
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| | just because its a good price. You cant
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| going to be late with a payment.Key 8 As
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| | afford the savings.Key 17 If you have
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| soon as expenses rise to the level of
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| | multiple crdit cards, pay down your
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| your income, trouble is not far
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| | highest intersts cards first.Key 18
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| behind.Key 9 Self-discipline is the key
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| | Paying at least double the minimum
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| to any sucessful financial program.Key 10
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| | required each month will show
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| Balancing your checkbook with each
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| | progress.Key 19 Re-evaluate your personal
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| statement is essential. It costs only 15
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| | budget at the begining of every year and
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| minutes a month and is one of the best
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| | adjust where needed.Key 20 Teach your
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| investments you can make.Key 11 If you
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| | children how to save.Mike Magana is a
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| dont know where your money is going, you
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| | personal finance coach that helps
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| cant decide where to spend it.Key 12A
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| | families in reducing their taxes, getting
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| penny saved is a penny earned.Key 13 You
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| | out of debt, and controlling there living
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| never know whats going to happen. Tuck
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| | expenses. Please reach me at for any
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| away an emergency fund of at least 3
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| | comments.
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