One of the most important basic truths of successful money management is that you need to actively tell your money where to go or it will go away on it's own. In other words, you need a money plan. You also need to be realistic about your spending habits and be willing to attempt to break bad habits and start to exert some self-control.
Here are several good resources to help you organize your finances and establish a budget.
The Debt Snowball Method
Create an avalanche of debt relief and get rid of all your debt in about 8 years. Start the snowball going by adding 10% of your income to every payment.
The Basics of Saving Money
Get into the habit of saving money NOW. A little saving now will prevent a lot of headaches in the future, so master the basics and get the advantage now.
The Importance of Teaching Children to Save Money
By educating children about the value of a dollar and the importance of saving money, you will be giving them a solid platform on which to build their financial future.