Recast Your Current Problems Into Proactive Goals.

Cut Back Your Spending Now.

Make It A Priority To Have At Least Eight Months Of Living Costs Set Aside In A Federally Insured Bank Or Credit Union Account.

You Must Recognize, Embrace, And Be Honest About What Is Real For You Today And Allow That Understanding To Inform The Choices You Make. Only Then Will You Be Able To Build The Future Of Your Dreams.

Rather Than Saying, 'my Checking Account Is A Wreck,' Change It To 'i Will Learn How To Track My Spending And Balance My Checkbook.'

I Have Never Been A Fan Of Bond Funds. Unlike A Direct Investment In An Individual Bond That You Can Hold To Maturity And Be Assured You Will Get Your Principal Back (assuming No Default), A Fund Has No Finite Maturity Date And Most Funds Are Actively Traded.