BE A PERSONAL FINANCE GENIUS IN 6 SIMPLES STEPS

1. Spend less than you earn.

2. If you’re facing a pile of debts, make minimum payments on all of the debts but the one with the highest interest rate, then make the biggest payment you can each month on that high one.

3. The quickest way to financial recovery is to get a grip on your spending impulses.

4. Life is going to hand you emergencies, so keep at least $1,000 in your savings account for those emergencies.

5. If your employer offers matching on your 401(k), take as much of it as you can get.

6. Buy items that will last for a very long time at the best possible price and you’ll rarely be unhappy with them.