Pay more than the minimum required payment on all credit cards.
Shred all credit card offers before discarding them.
Don't apply for more credit cards than you need and use them only for emergencies.
Avoid using ATMs where you'll be charged a fee.
Contribute the maximum amount allowed to your 401(k), or at least as much as your employer matches.
Open an Individual Retirement Account and start saving for retirement early.
Put at least 20 percent down on a new home to avoid paying for private mortgage insurance (PMI).
To reduce your monthly expenses, eat at home, clip grocery coupons and shop for clothes off season.
Request a copy of your credit report each year to ensure the information is all accurate.
If you have your own business, pay the bills before you pay yourself.