How you spend your money impacts your credit score and the amount of debt you end up carrying. If you’re struggling with money management, for example, you’re living paycheck to paycheck despite making more than enough money, here are some tips to improve your financial habits..Welcome to the Smarter Living newsletter. The editor, Tim Herrera, emails readers with tips and advice for living a better, more fulfilling life..This step by step guide for how to save money can help you develop a simple and realistic strategy, so you can save for all your short and long term savings goals. The first step to start saving money is to figure out how much you spend. Your budget should outline how your .So given that it s Financial Literacy Month, we ve decided that there is no better time than now to round up our top money tips into one juicy, super helpful read..Manage your money better with our Budget planner tool. To get started on your budget, you ll need to work .The Cut s financial advice columnist Charlotte Cowles discusses six ways to start financially fresh in the new year, regardless of how your bank .How to be better with money. You can change your financial habits and manage your money better. Here s how. Felicity Hannah Friday .Credit card debt was low or non existent , people always used cash, if you do even half of these recommended steps, you re doing better .