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