You are currently living the ‘American Dream’. You are happily married, have two and a half kids, a dog, the house with the white picket fence, you drive an SUV and a mini van and you are in debt. Your story is the same as millions of other people out there. Okay, so your story isn’t exactly as I just described but close. In fact the debt part is probably the only absolute truth. You are able to make all of your minimum monthly payments and are getting by just fine – or so you think. You have been lulled into the false sense of financial security and think you know how to manage money. The truth to be told is you may be in too much debt. Here is a list of ten warning signs indicating that you may be in over your head.

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The health of your credit score is incredibly important to your finances for a number of reasons. For starters good credit scores are what lenders are looking for when determining whether or not they will lend you money. In a number of cases insurance company’s and landlords often look into your credit when determining whether or not to have you as a client or tenant. This article will show you a number of ways of how to improve your credit score and will help with your personal finance basics.

1. Pay Your Bills On Time

The reason why this is first on the list is because this is probably the most important rule to follow when attempting to boost your credit score. If you go to a bank and are applying for a home mortgage the first thing the bank will look at is if you pay your bills on time. This includes everything from your cable, telephone, credit card or internet bills. Your credit score will directly reflect if you make, miss or are late on your bills. If they see that you religiously miss or are late for payments, chances are you will not be approved.

Some tips so you will never miss another bill payment:

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