‘Do not wait; the time will never be ‘just right.’ Start where you stand, and work with whatever tools you may have at your command, and better tools will be found as you go along.’ – Napoleon Hill

There is no better time to crash change your financial philosophy and habits, than when you are already in debt.  For some reason, a real crisis is the best push to motivate us to change our old ways and habits to avoid the same pain.

Courtesy of National Bank Of Arizona

These simple and practical tips will help you in the short term, but will really make a difference long term if you incorporate them in your life style.

PS  A little hint: The key is management!