If your finances are in disarray, then life can be more difficult. Use the following advice to resolve your debts and improve your life.

You can better understand where your money goes when you write down how much you spend every day. However, you should keep in mind that if you write what you’re spending in a book that you won’t look at for the majority of the day, your finances may be forgotten. Try using a whiteboard in your den or home office to document your finances. Seeing this multiple times a day can help keep it fresh in your mind.

There are generally 90 day or year long warranties on products, so usually if something is going to go wrong, it will do in within that time period. Businesses make a lot of money off of extended warranties but they are not always useful for the end user.

Credit Cards

Make sure that you are using between two and four credit cards to bring up your credit score. Having too many credit cards makes it seem that you are not in control of your finances, whereas, too few will not allow for a speedy credit build up. If you want to build credit, keep two cards and don’t add others unless necessary.

Spending money on dining out can help one to save money and gain control of their personal finances. Making your own meals is cheaper, as well healthier for you.

Buying a lot of food just because it is on sale is not always a good deal. Buying in bulk or purchasing large quantities of your favorite grocery items may save money if you use it often; however, you must be able to consume or use it prior to the expiration date. Plan ahead, think before you buy and you’ll enjoy saving money without your savings going to waste.

Keep student loans to a minimum unless you are confident that you will be able to pay them back comfortably. If you have not yet chosen a major or mapped out your career path, private school tuition may not be your best bet.

Managing your personal finances may help you see what your financial standings are, and can lower your stress. Getting your finances together can be a great way to get rid of stress and to start to focus on other parts of your life that you may have been neglecting.

There are tremendous opportunities for small businesses and social entrepreneurs to support their communities through community foundations, donor advised funds and other means of giving back. Find the neighborhoods in Franklin County where you can make the most impact on education in the community.