Three things we can do to improve our finances

1. Make sure insurance coverage is up to date.

    It's a good idea to do an annual review of all insurance coverage. Knowing what our deductibles are and having the coverage we want will reduce stress if something happens.

2. If we are in debt,  cut up the credit cards and stop borrowing.

    This is one of the easiest ways to get out of debt, pay cash. It's just too easy to charge on credi. Don't get credit cards until they are used for convenience only. That means the bill can be paid in full every month.

3. Open a tax deferred account now.

    Open a 401k at work as soon as you're eligible. If it's not available to you, open a traditional IRA and make the commitment to start funding it yourself every payday. I can't repeat the importance of these tax deferred accounts enough. Finwiz.