15 Rules of Good Finance:

Some simple advice to help with credit and spending.

1. Don't spend money you don't have. Sounds simple but oh so true.

2. If you need to borrow, remember, you must return what you've borrowed. Sharing may be caring but unfortunately you still have to pay it back.

3. Avoid late fees by paying your bill on time.

4. Don't use too many credit cards. You may have heard that more credit cards are a good thing, but it's urban legend.

5. Use banking alerts (now text, phone and email available) to keep tabs on all your accounts.