Budgeting: Plan and track your expenses to live within your means and avoid overspending.
Emergency Fund: Build a fund to cover unexpected expenses and avoid resorting to debt.
Smart Credit Use: Use credit cards responsibly, paying off balances in full to avoid high-interest charges.
Prioritize High-Interest Debt: Pay off high-interest debts first to minimize accumulating interest.
Live Below Means: Aim to spend less than you earn, allowing you to save and avoid relying on credit.