This is an article I wrote for the South Los Angeles Report. Did I forget anything? What tips do you have about getting out of debt, raising your credit score, etc.?

1. Think about the big picture

2. Keep $1,000 in an emergency fund

3. Save for retirement automatically

4. Change the way you bank

5. Have a garage sale

6. Spend only $50 per 2 people in your household per month

7. Start using money management software

8. Create a plan to pay off debt

9. Create spending guidelines

10. Resolve not to get a tax return next year

Ready to do some work on your finances? Buy Money Matters: The Get It Done in 1 Minute Workbook on Amazon.com.

Congrats on your book Shay!