You consistently charge more each month than you make in payments. You are working overtime to keep up with your credit card payments. You don't know how much you owe and really don't want to find out. You have received phone calls or letters about delinquent bill payments. Your credit cards are no longer used for the sake of convenience, but because you don't have money. Budgets are well-known financial tools. In the creation of this budget entails a multi-step process that involves many people in the household or organization. Non-financial people involved in the procedure normally needs some financial training to help maximize their effectiveness in budgeting. After some period of time, participants become more comfortable with the process and work hard to improve the benefits of having one. Credit card allows you to spend over and above your current budget, which is bad, especially if you are not expecting any money to come in anytime soon. 2. Saving Make a saving plan - Everytime you receive an income, whethere that be from your regular salary, bonuses or sidejobs, take at least ten percent (10%) from it as your savings. A place with a roof could be enough but to live more comfortably, you can pay to live in low-cost houses. Living in these houses would not only help you in saving, but it also helps you become more independent. This way, you do not need to pay extra for your household helpers, and at the same time, you learn how to do household chores on your own. If it's your intimate relationship that is suffering from your money woes, you are not alone. Even perfectly matched and compatible couples can be driven mad by their partners' spending habits. Talk to your doctor about a marriage counselor who can guide you and your partner through this challenge. Eliminate debt. It is not as difficult as simply budgeting because you don t have to worry about whether other people would find your way of living livable or not. The first thing that you budget for yourself is, of course, food. Without food, you would not acquire the energy that you need to do the things you do daily.