Three great ways to get your financial house in order

Is your credit score and savings account balance moving in the wrong direction?

Here are three easy ways to help get your financial house in better order:

Track your spending. Many Americans have no idea how much they spend each month on non-essential items. You may be surprised at just how much you are spending on restaurant meals, clothes, toys and other non-essential purchases! Budget apps abound. Give a few a test run until you find the one that clicks for you.

Make it automatic. Consider setting up automatic payments for monthly bills. Late payments can significantly lower your credit score, and it’s easy in today’s busy world to forget to pay an important bill on the day it’s due.

Get family and friends involved. Instead of going out to eat with friends this weekend, why not offer to have a potluck at your house? Instead of going out to a movie, try a movie night at home. Let your family and friends know that you’re trying to improve your finances and you may be surprised at how supportive they can be of your endeavor.