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Budgeting. It’s not exactly the sexiest topic out there, but it’s one that everyone needs to think about, talk about, develop, and set in motion. This essential spending plan basically helps you to determine if you’ve actually got the cash to do the things you want or need without sending you spiraling into debt. While there’s lots of talk about the different ways to budget, what’s less known is the topic on zero-sum budgeting.

Over 35% of Americans have collections agencies hounding them about their debts and unpaid bills, and almost 30% have more credit card debt than emergency savings. Scary stuff. Being in debt is sort of like being in quick sand - you’re not quite sure how you found yourself there, but you’re drowning fast. The downward spiral of debt is a dangerous one, especially when that debt is attached to crazy high interest rates, typical of credit card debt. With rates as high as 20%, it can be extremely challenging to climb back out for air. But all is not lost. You can still take action right now to not only get rid of your debt, but start padding your savings account too. Give these 4 habits a go to get you back on the road to financial health for the long haul.