Keeping track of your expenses and income is a key component of getting your personal finances in order. In order to maintain a written budget, at the start of every month, compile a list of all of your expenses. Include all of your basic expenses, such as rent or mortgage payments, auto insurance, utilities, groceries and so on. Be sure to note all expected expenditures. Document the payment amount of each bill, and don't spend more than your monthly income.
To maximize your credit score, have at least two, but no more than four, credit cards. Using only one card means it will take a long time to build a good credit score, and more than four cards means you cannot manage your finances efficiently. Try using two cards to build up your credit and adding more when needed.
Think about getting a flexible account. The money you set aside is deducted before taxes, so you save money.
Using different checking accounts can help you to itemize your expenses. You can use one account for fixed expenses and the other for those expenses that are variable. Doing so will make it easier to monitor your cash outflows, and this can also help to ensure you have sufficient funds to pay for expenses.
Take advantage of online banking alert services offered by your institution. Many banks will notify you when changes are made to your account, often through text or email messages. Take advantage of your banks financial alerts to protect yourself from identity theft and overdrafts.