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Budgeting and Personal Finance. Budgeting is the primary way that you can take control of your finances. Simply put, a budget is a written plan for how you will spend your money. You can create a monthly or an annual budget. The budget allows you to make financial decisions ahead of time, which makes it easier to cover all your expenses throughout the year. Budgeting consistently can help you turn your finances around and begin to build wealth.
Deal with Your Debt. Few people get far in adulthood without accumulating some form of debt: credit cards, student loans, car loans, and mortgage payments are common. In fact, debt can be a good thing (who has the money to buy a house outright?), but the key is to use them wisely. Credit cards and other forms of debt can be an essential part of your financial toolbox, but you must exercise care when using these tools. Understanding the difference between good debt and bad debt will go a long way in making sure you create and maintain a good credit history.