It may be easier said than done to add some positive thinking in your life when dealing with the harsh realities of debt, but some routine positivity may prove to be a greater source of relief. The most important thing to remember is if you want things to change, then they cannot stay the same.

New Era has started using the term “spending plan” when referring to how you track your monthly expenses. This is different from a budget because instead of focusing on limiting your expenses and how you can’t spend your money, it focuses on your goals and how you can spend your money.

It can be effortless to sign up for credit cards when you need money now, but the stress of repaying it back can have negative effects on your health down the road. How does credit card debt contribute to poor health aside from the stress its puts on individuals?

They say that behaviors can be contagious – surround yourself with good people and you’ll develop good habits. We can list off our best financial tips and break down budgets for you, but ultimately, the people around you can shape who you are and how you spend your money.