Managing your finances, especially if you are on a limited income, isn't always easy. If you are going to avoid going into debt or worse, it is vital, however. The advice in this article can help you control your spending and help you avoid becoming a credit card debt statistic.
Look into a better plan for your cell phone. If you have had your cell phone for at least a couple of years, there is probably something out there that will benefit you more, chances are. Call your provider and ask for a better deal. Alternatively, look around and see what is being offered.
If you can afford it, try making an extra payment on your mortgage every month. The extra payment will apply dir