Before you create a budget or make spending cuts, take the LifeValues quiz to determine what you value most.

Tips to manage your financial documents — and your time.

Keep track of your expenses and find your spending leaks.

Make smarter spending decisions to "find" money without actually making more.

Identify your debt and use these tips to pay it off.

Maintain a strong credit report to accomplish your financial goals.

Pay yourself first to save money and start a strong retirement income planning program.

Track your goals and celebrate milestones to reach your financial dreams faster.

Use a spending plan to ensure your daily spending habits don't overwhelm your goals.

Watch your money grow as you invest to reach longer-term objectives.