Money Tips #2

1. Stay away from the Credit Cards - The only time that I use my credit card is when I absolutely have to...for instance to rent a car...other than that I stay away from them because they are too tempting to use...I've been there, where I've thought, "Oh I'll pay it back when I get the bill." The bill comes and something always comes up...So don't use them.

2. Budget - Create a budget and stick to it. I've written out all of our bills and what it takes to keep the house afloat. That way you know exactly what is going out.

3. Talk about it - I cannot count the amount of discussions/arguments that my husband and I have had about money. But the bottom line is that communication is key. You can't do everything alone and you shouldn't expect your husband to. Keeping each other in the loop about what expenses need to be settled and what amount needs to be saved each month is paramount.

4. Savings - I make sure to transfer something into my savings account every month - I try for every pay check but sometimes that doesn't work...I've opened an account away from our normal account so that it's that much harder for us to use.