2 Make a budget
Start figuring out where your money is being spent and on what.
Budget your money.
I deal budget:

10% both long term and short term savings.
10% charity (Tithe – give to church, parents, family, homeless, anyone who needs it.)
10% used to pay off any outstanding balances
70% living expenses,cloths, rent etc.

3 Tithe – This is very important. Giving 10% of your money to the church, the fatherless, family and poor. Is the right thing to do and you will find favor with God.

4 Stop using credit cards
Credit cards should only be used for emergencies. If you can not pay off the credit card every month, don’t use it at all.

5 Pay off bills
Start with the smallest balance. Payoff the smallest balance first. Once that bill is gone. Pay off the the next smallest bill. The last bill that should be payed off is your house mortgage.

6 Buy a house
If you are living in an apartment, you need to move out as fast as possible.
Work with a bank and come up with a strategy to obtain a house.
Apartments are a waste of money, there are no tax benefits and no chance for equity.

7 Buy used cars
Do not, I repeat do not, buy new cars. They are also a waste of money. Try to buy a car 3 to 4 years old. You can afford a better quality car for less money, if it is just a few years old. Start thinking about your next car about one year before you buy it. Then decide what you want to buy and then save up for a car and buy it with cash.

8 Acquire Assets
Buy things that go up in value. Like gold, stocks, bonds, mutual funds, Cd’s, rental property, businesses, and franchises etc.