Check off list.
1. 5, 10, 15 percent interest on an investment is horrible if you have 20% interest you owe. Pay off all frivolous interest; credit cards before saving money.

2. Shop around for all expenditures, saving (here and there) gives you more to invest.

3. Pick up loose change and put into a jar, every year I get a nest egg.

4. Invest in yourself!

5. Read all you can, listen to people who are doing good investments and ask questions, and make your own sound judgments.

6. Start a CD at your bank, after you have less than 60% debt to income ration and all your accounts (checking, savings, credit cards) are in the Green, this is a “Marker” Never spend this CD just keep re-investing in it. Its a last chance buy out if anything bad ever happens.

7. A dollar a day will keep ill finances away.

8. Try to save 10% of your income every month, its harder than it sounds. (ex: $2000 a month equals $200 in savings)

9. Find free fun, (hiking, biking, reading, yoga)... Movies, video games, drinking is fine but expensive.