Money

You probably realise that managing your money is a good idea, but you might be of the view that if you manage to pay your bills on time, you're doing fine. While that might be true, ignoring the bigger picture of your income, expenses, net worth and debt can prove bothersome when you decide to take on bigger financial responsibility, such as buying a home.
Managing your money doesn't mean creating a strict budget and giving up the extras you enjoy. What it does mean is making decisions about what to spend your money on, which might help you reduce your debt and accumulate more funds in the future.