Are you living paycheck to paycheck? Could you use a little more money in the bank after you’ve taken care of your monthly expenses? It’s easier than you might think to take control of your finances. Here are just a few tips for getting your feet back under you when it comes to money matters.

1. Clear Your Debts

Don’t ignore calls from debt collectors. Instead, pick up the phone and start talking about what you owe and how you might repay it. Most collection agencies will be willing to work with you; they’d much rather accept small monthly payments than not get any funds returned to them at all. Talk to them about your options.

2. Start Saving

This is easier said than done, of course, but in the same vein as the above, a little can go a long way. You don’t have to set aside large chunks of cash every month. Just make small, consistent deposits into your savings account, and don’t remove them unless there’s an emergency. Even one percent of your paycheck is better than nothing.

3. Be Careful With Loans

Loans can give you a bit of breathing room when you’re climbing out of debt or saving for a big event, but make sure that you’re only borrowing from credible lenders. You don’t want high interest rates that will sink you even further into the red. Instead, look for cash loans Houston TX that come from companies with good reviews and reputations.

4. Talk to the Experts

What happens when you finally have a bit of padding in your bank account? Or what if you’re interested in boosting your income with things like stocks, bonds or investments? Consider talking to a financial planner. They can help you make smart decisions with your time and money.

These are just a few ways to manage the funds in your bank account. Whether you’re struggling to make ends meet or putting together a portfolio for all of your wealth, it’s important to mind your finances. Your future retirement could depend on it!