10. Live frugally. Learn to live on less than you have.
9. Always pay more than your minimum credit card payments.
8. Have money saved or credit available for emergencies.
7. Get overdraft protection on your bank account.
6. Avoid paying unnecessary fees, fines, and tickets.
5. Buy everything on sale, but only what you need.
4. Don't borrow more than you can easily repay.
3. Keep student loans at a minimum. You'll be happy later.
2. Don't borrow, don't lend and you'll stay friends with friends.
1. Work at least a few hours a week.
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