There’s no doubt life can be hard for  individuals who’re not born with the proverbial silver spoon in their mouth. If you happen to fit into the “life is hard” category there’s a good chance you work for your money and probably work even harder to hold on to some of it for savings or emergencies.

We provide a few tips below for better management of monthly finances.

Pay bills first

Take care of the things that typically cause the most stress – your bills. You know they’ll arrive in your mailbox each month and you know what happens if you do not pay your bills on time. Your credit score takes a hit and you are often required to pay expensive late fees. This is one of the worst things that can happen to you as it drives you further into debt. Continue reading →