By now we all know we need to pay down our credit card debt to get our financial houses in order. But what are some of the other basics for making the most of our personal finances. How hard it is to make and stick to a monthly budget? When is it time to buy a new car? How does a person overcome a fear of numbers enough to even balance a check book? We will offer simple advice for both beginners and advanced home accountants to help you make 2016 the most profitable year possible.