"The data clearly show financial health in America - especially that of moderate and middle-income households - remains precarious and is influenced by a reliance on credit to stay afloat," said Jennifer Tescher, president and CEO of the Financial Health Network.
"Without a budget, many of us lose account of what's coming in financially and what's going out. Unfortunately, not knowing will destroy you financially."
"If you want to win with money, save and get ahead financially, there are a few key things you need to do with your money right now."
"According to Dave Ramsey, use the debt snowball method - where you pay off your debts in order of smallest to largest. This creates a sense of momentum and accomplishment."
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