1. Live beneath your means. Learn the difference between needs and wants; experts agree that one key to happiness to be happy with what you already have.
2. Expect the unexpected. No one plans to lose a job or suffer from illness. Being prepared for life’s setbacks will give you peace of mind and help you to survive financially if the worst should happen.
3. Plan for tomorrow. Make it a habit to pay yourself first. The earlier you start the better—as they say, the eighth wonder of the world is compound interest.
4. Keep credit under control. The average household owes more than $8,000 in credit card debt. Smart consumers use credit as a tool of convenience, rather than an extension of their income.Finally, know when to seek help. After all, even the Batman couldn’t do his job without his trusty sidekick.