Personal Finance
[REMEMBER! Everyone has a different situation. So financial strategies that may work for you may not work as well for the next person. PLUS everyone thinks about finances in a slightly different way. NEVERTHELESS spending less than you bring in is critical for everyone.]
DO NOT make investments or follow financial adivce that you do not fully understand or feel uncomforatble about. DO find money management advice that makes sense to you.
YouTube, the internet, and public libraries offer free access to the advisors listed below. They all say pretty much the same thing. SPEND LESS THAN YOU EARN. GET RID OF DEBT. SAVE (LOTS!). AVOID CREDIT.
In general, personal finance coaches advise you to:
Finally, track your spending. Use some of the excellent personal finance software and apps currently available. Everyone thinks they know how they spend their money. But tracking your spending for a couple of months usually reveals some unexpected surprises!!
GnuCash is an open-source personal finance software package for Macs, PCs, linux. There is also a GnuCash app. Use it to track your spending and investments.
Personal Finance -- or money management and planning -- often go hand in hand with investing.