Create Healthy Money Habits

Become a disciplined saver: Save an amount from each paycheck.
Pay off your credit card: They’re handy, but never carry a balance — even for a month. If you can’t afford it, don’t buy it (use creativity for expensive situations).
Balance your checkbook: Figure out exactly how much money you have.
Ask for holiday and birthday gifts to be deposited into a Roth IRA: Set up your account and have it ready!
Pay your bills on time.

Budget, budget, budget: Make informed decisions about what you’ll buy, and put it on paper to follow through. Make sure it follows long-term plans.
Pay yourself first: You’d be surprised how effectively this works. If you put 15-20% away for retirement before paying other bills, you can make it work.
Check on insurance: Do you have everything you might need? Consider life insurance if you have a family that depends on you, or disability insurance for your own security.
Consider buying a house if you are in a position to do so financially and live in a situation that makes a home purchase a reasonable investment.