There are no magic rules that we saved from financial problems. But these tips can help avoid financial problems in most cases.

If you have a family, everyone must participate, no one can do all the work alone. Make sure your spouse and children, understand that the family is having financial problems and they all must meet a series of steps that will help them recover.

1. Make a realistic budget and stick to it. This includes a periodic check and adjustment of their numbers and spending habits.
2. Do not buy impulsively. When you see something that has not planned to buy, avoid doing so, think twice.
3. Avoid liquidation. 20 U.S. dollars to buy something cheaper can mean an unnecessary expense.
4. Tailor your insurance to their abilities.
5. Buy something they can afford at the moment. Do not pay expenses in the future, credit cards can betray your budget unconsciously.
6. Avoid large rent and property payments. Consider refinancing your home if payments are difficult to fulfill.
7. Do not enter or guarantee the credit of another. The commitments forced him as if you were the borrower in case of infringement of the holder. You can not put your hands in the fire for someone else’s economy.
8. Avoid socializing with people of questionable consumer habits or their relatives. If you owe, you will be responsible for the failure of others as well.
9. Do not make high risk investments. Be conservative and opt for certificates of deposit, money market securities, etc..
10. Find alternatives to invest money. Instead of inviting a friend to eat an expensive restaurant, take on a picnic, take advantage of public parks, libraries and put all their ingenuity to work for your family finances.