Establish Yourself Financially Take these basic steps to get established financially: Take our financial fitness quiz. Set up a realistic budget and stick to it. Open up checking and savings accounts. Don’t spend more than what is in the accounts. Learn how to use credit cards wisely. Pay all of your bills on time each month. Review and understand your credit report. If things are getting out of control (take our financial danger quiz to find out), contact your creditors, seek credit counseling from a licensed and reputable service, and/or look into debt consolidation.
