To get started organizing your finances and become money smart, you need to get a handle on:

• what money you have,
• what is the wisest way to spend your money,
• how to get more money and
• how to save your money for future goals.

The money smart section of the site will be navigated like a book, with this page being the table of contents.

Why YOU Should Learn to Be Money Smart

Money Smart Basics for Any Age

• What is Your Net Worth?
  

• Your Value verses What You Are Making
  
• Work More - Get Paid More
  

• Monthly Expenses
  
• Keep Track of Your Expenses
  
• Differences Between Wants and Needs
  
• Developing a Money Smart Monthly Budget
  
• Basic Monthly Budget Worksheet
  
• Building Your Emergency Fund
  
• What Type of Bank Accounts Do Money Smart People Use?

• How You Got Into Debt
  
• Warning Signs of Too Much Debt
  
• Stop Your Spending Habit
  
• Does Your Monthly Income Cover Your Outgoing Expenses - Calculate it!
  
• Paying Off Debt Verses Saving Your Money
  
• Avalanche! Using Dave Ramsey's Snowball Method

• 5 Money Smart Reasons You Need a Credit Card
  
• 6 Credit Card Pitfalls To Avoid
  
• How to Get a Free Credit Report
  
• How to Read Your Credit Report
  
• How to Clean Up Your Credit Report
  
• How to Dispute an Item on Your Credit Report
  
• How to Establish and Build Good Credit