GET OUT OF DEBT

Check credit report
Review all debts: how much is owed, finance charges
Choose either the smallest debt or the one with highest finance charges
Reduce excess expenses (examples: take lunch to work, make cost-effective dinners rather than eating out, drink water rather than pop or coffee, etc)
Consider a temporary additional job to bring in more income
Apply as much money as you can toward paying off debt

SMART GOAL STATEMENT: I will [do what] get out of debt [by doing what] paying off VISA card first with [how much]$100 [when] every month [measured by] until complete [by when] by target date of six months from today.

Print Budget Worksheet at About.com, more Excel spreadsheets here
Mom Advice Monthly Budget Sheet in Excel
A more detailed Excel Worksheet from Simple Organized Living

SAVE MORE MONEY

Make and follow a budget
Have a bill paying system

Print Uncle Bill’s Bill Manager (pdf)

Decide on a regular amount to save each month
Deposit that amount into a savings account
Think carefully before making any purchase

Print Questions to Ask Before Buying and carry it in your wallet.

Use credit wisely
americasaves.org

SMART GOAL STATEMENT: I will [do what] save money [how much] $1200/year [by doing what] by making a deposit in my savings account [how much]$100 [when] every month [measured by] chart [by when] by target date of twelve months from today.

BUY A ...(HOUSE, CAR, ETC.)