Always have a budget plan to control your spending. By creating a budget plan you limit your list of necessary things to buy. A budget plan is the amount of money you can afford and you plan on spending. To save up money I have saved money from a side job besides my full time job. In my mind savings don't exist because I only use them for emergencies. I have learned to never pay anyone to fix your credit scores or advice because you can find free advice by asking professionals. My main focus is finishing school because it guarantees jobs in our industry. If I work hard and have educational background I can earn a living for my new family.