Get your finances in order with these 9 personal financial tips. Once you become a Lady Boss member, you can check out the Personal Financial Fitness section. Through cashflow and budgeting training sheets, money management coaching, and helpful financial tips, you’ll become a boss at managing your money! For now, check out these 9 tips.

1. Start small

Start a small savings. Even putting away $10 or $20 each paycheck is better than not saving at all. Start small and you'll see growth overtime!

2. Get paid your worth

Get paid what you're worth. Do an evaluation of your job in the marketplace and find out if you're underpaid or not. Include your skills to determine if you're worth more than what you're receiving. 

3. Adopt a spending mantra

Adopt a spending mantra! This can be a phrase you use for when you're purchasing items or spending money at a specific store. "I'm only allowed to spend $40 at Target" or "I only shop for clothes or items when there is a sale."

4. No more negative thoughts

Get rid of negative thoughts! "I'll never pay off my debt!" is a big NO. You can do anything you set your mind to. Make a plan, hire a financial advisor, and think positively! 

5. Create an expense calendar

If you're having trouble remembering to pay expenses, create an expense calendar. Include important due dates for payments and your pay days. This calendar will help you stay on track for future expenses.

6. Automate your payments

Instead of paying bills by checks, you can set up automated payments. Most businesses offer this service. Setting up auto billing will help you steer clear of missed payments or late fees.

7. Build credit

If you have zero credit and want to start building credit, apply for a credit card. It's important to pay off the credit card before the due date. Utilizing your credit card overtime will help you build a credit history. To stay on top of your spending habits, try setting a credit limit on your card. This way you can still utilize the credit while being mindful of your spending.

8. Set goals

Goals are a great way to pursue your financial dreams. Write down a list of 5-10 financial goals you have and magnet them to your fridge. Seeing your goals on a daily basis will help you accomplish them faster! Happy financing!

9. Become a coupon queen

Discounts are always a plus when it comes to purchasing new clothes, amazon products, or even those trendy shoes you've been eyeing for months. Sometimes it's not a bad idea to call a store or a company before spending the cash. There might be a discount available that you didn't see while browsing their website. Remember, a little can go a long way. Especially when it comes to money.