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Debt problems this is the first place to start. Tracking debt the how and why to get debt under control. Tracking is more than just debt also includes income, and spending. 

Article Link:
https://www.nerdwallet.com/article/finance/debt-tracker by Lauren Schwahn and Sean Pyles

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Spending too much but not sure or just living paycheck to paycheck how to fix these problems.  Always thinking about spending  money almost everything do and see try’s to get us to spend money. Lets see how to stop that type of spending.

Article Link:
https://www.ruleoneinvesting.com/blog/financial-control/spending-money-wisely/ By Phil Town
https://www.unexpectedlydomestic.com/where-does-all-my-money-go/ 

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Getting closer to being debt free now what to do with the money. Tracking and still have a control center is a must. No reason to go back to old spending habits.
Article Link:
https://www.maggiegermano.com/blog/what-you-should-do-after-paying-off-debt/ by Maggie Germano 

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Control center is the second most important part of the personal finance. Keeping spending under control and know what and where money is going is key to reducing debt and increasing savings. 

Article Link:
https://www.huntington.com/learn/budgeting/how-to-make-a-budget

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That is what most checking account are doing. The first and most important part of debt reduction is tracking all spending and income. Doing this will help as knowing when and where money is going is key to understanding the debt problem. Once understanding debt then creating a solution is easier.

Article Link:
https://www.nerdwallet.com/article/finance/tracking-monthly-expenses By NerdWallet

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Is the question everyone should ask themselves. This is important to know so the problem can be fixed. Then steps to get rid of debt can be taken. This episode is first in a series to become debt free.
Article Link:
https://www.debt.com/news/how-do-people-get-into-debt/ By John Boitnott
https://finred.usalearning.gov/Money/DebtTraps 

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Those trying to reduce debt this is how to maximize the process. Reducing debt is a hard and timely process, but it can be speeded up by doing some extra things. Making the tough choices, doing without for a couple of years will pay off in the long term.

Article Link:
https://www.wellsfargo.com/goals-credit/smarter-credit/credit-101/debt-to-income-ratio/dti-faqs/
https://www.capitalone.com/learn-grow/money-management/how-to-reduce-debt/

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Once a budget or control center has been established staying on the budget is important. As time passes some of the fixed expense may change so the control center need to be updated. I do this every month but that not necessary, update every quarter is enough.  

Article Link:

https://www.trustage.com/learn/managing-money/how-to-personal-budget

https://ourhappyhive.com/do-a-financial-tune-up-and-keep-your-budget-on-track/

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 Keeping track of income and spending is the first step in keeping personal finance under control. The second step is having a budget of some type or a Control Center. These two steps are the key to financial success and reducing debt.

Article Links: https://www.thebalancemoney.com/how-to-track-your-expenses-2385695 by Miriam Caldwell
https://whybudgeting.com/personal-budget-categories/ by Hugo Guerreiro
https://happygiraffe.org/donate/  

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 The first step in reducing debt is identity the problems too much spending or too little income. Everyone makes mistakes but those who correct mistakes are much better off. What are the mistakes most people make in personal finance.

Article Link:
https://www.investopedia.com/personal-finance/most-common-financial-mistakes/ By Emily Norris 
https://www.equifax.com/personal/education/personal-finance/top-money-mistakes/ 

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