Broken piggy bank, bills, money, debt

No. 1: Make a budget

Nothing will make you feel more money-smart than if you successfully plan and execute your own budget.

Calculating this can seem daunting at first, but if you take the data from your recent spending history -- say the last year or several months -- you will be able to see how much you need each month for all that you do and all that you want to plan for.

Once your budget is firmly created, it will be easy to say no to things you do not need.

Having a budget is also one way to make sure you get what you want. If your goal is to retire with a specific figure, adhering to a budget can make this a reality. If it's not in the budget, it's simply not in the budget and you don't need it.

Savoring financial security can become your reality once you've taken control of your savings.

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