Here are a few tips that will help you improve your financial situation:

• Pay cash;
• Avoid using credit cards;
• Prepare a monthly budget of your revenues and expenses;
• Make regular payments;
• Avoid buying from telephone solicitors;
• Avoid buying from door-to-door salesmen;
• Examine all the obligations involved in the contracts you sign;
• Calculate the number of hours you need to work to pay for a given purchase;
• Stay abreast of your finances;
• Avoid compulsive purchases;
• Analyze your spending habits to better understand your consumer profile and make appropriate resolutions;
• Make a list of all your expenses over several months so you know where your money goes;
• Prepare an assessment of your financial health every year.