To lessen financial worries, let's try to follow these eleven rules:

1. Get the facts down on paper.
2. Get a tailor-made budget that really fits your needs
3. Learn how to spend wisely.
4. Don't increase your headaches with your income.
5. Try to build credit, in the event you
must borrow.

6. Protect yourself against illness, fire, and emergency expenses.
7. Do not have your life-insurance proceeds paid to your widow in cash.
8. Teach your children a responsible
attitude towards money.

9. If necessary, make a little extra money off your kitchen stove.
10. Don't gamble-ever.
11. If we can't possibly improve our financial situation, let's be good to ourselves and stop resenting what can't be changed.