• What is Consumer Credit?
• How do I establish Credit?
• How do I improve my existing Credit?
• How do I manage my Credit?
• Track your expenses

Pay down your debt
Carrying large amounts of debt from year to year is a drain on your income and bad for your financial health. Try to pay down your highest interest obligations first. (Before prepaying an installment purchase or loan, read the contract's fine print. The section on prepayment will tell you if prepayment will save you something - or nothing.)
Move debt from high-interest to low-interest accounts.  Even though you've charged debt to a high-interest credit card, it doesn't have to stay there until it's paid off.

Consolidate debt
Consider a debt consolidation loan to consolidate debt. Such a loan can lower your overall credit costs and reduce the number of bills you must pay each month.

Track your spending and evaluate your financial situation
Figure out how much you spend each month and exactly where it goes.  You'll gain valuable insights into how and where to save.  Then draw up a budget and stick to it.

Plan for the future
Think about where you are in life and what major expenses may lie ahead. Then develop a plan of saving and investment to achieve your goals.