You are a Budgeting Beginner

You’re operating in survival mode for now — but you’re ready to change that!

OK, so your bank account balance dips pretty close to zero right before payday. Maybe you’re currently looking for a job and taking your finances day-by-day, or perhaps you’ve got some debt you’re trying to pay off. But you’re not in denial: You know you could be doing better. And you can! The key is to start small by doing things like making a budget, figuring out how to use your credit card responsibly, and learning how to recover from a setback, like a health crisis or a black mark on your credit report. Here are some tips to help you get things under control.