1. Create a budget and follow it. List all expenses (rent, utilities, groceries, everything). Subtract those from your take home pay - no reason to use gross, then you'll just have subtract the taxes. From here you'll know how much you have left over every month. Take your smallest bill and concentrate on it - once that's paid off, take that payment and apply it to the next smallest and keep this up until you have your bills paid off.2. Don't use a credit card if you can afford cash. If possible, save the money until you can purchase it out right. 3. Tips for c/c use:a. Pay it off every month if you can.b. At least pay more than the miniumum.c. Do not go over 50% of you limit - 30% is best.4. Pay your bills on time each month. Most company's offer automatic payments. If you have a problem doing this, you might look into this service that way you'll never have another late payment.5. If you're going to be late - call the creditor ASAP and explain the situation. Some will work with you. Whatever you do, don't ignore the situation and just "not" make the payment. Always let them know what's going on.6. Review your credit report and make sure there is no inaccuracies. Dispute any if there are.7. Just remember that it takes time. Be patient. As balances go down and length of time is established - the score will go up.
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