1. Pay your bills on time, all of the time - This will not only save you from paying costly late fees, but will also prove to lenders and creditors that your are a consistentm, reliable, and responsible consumer.

2. If possible, make more than your minimum payments each month - By paying more than the minimum each month, you will pay down your principle debt more quickly and save money on interest charges.

3. Keep an eye on your level of debt - Creditors look at your total outstanding debt, as well as your credit history and income, when deciding whether to extend additional credit. Creditors may assume that you are heading for financial trouble when you are near, at, or beyond your credit limit.

4. Keep an eye on your available credit - Too many accounts with high available credit limits can be too tempting for many consumers and may lead to excessive debt in the future. Large amounts of available credit may also lower your credit rating.

5. Stay informed about your personal credit history - Regularly check your personal credit report. Promptly dispute any inaccuracies and report any suspicious activity.

6. Work on buliding your personal savings - When unexpected financial problems arise, your savings may provide invaluable protection from further financial crisis.

7. Create and follow a budget - In order to achieve financial success, your income and your expenses have to be in complete accord. Regularly review your budget and make changes as needed.

8. Be honest with yourself about your financial situation - You know your income, expenses, and habits better than anyone. Personal effort, responsible behavior, and planning are the best way to ensure a healthy financial future.