<klink type="cncpt">Tell me about good Money habits</klink>
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<p>The following strategies will allow you to use Money more effectively:</p>
<ul>
<li><emph>Take time to learn the software.</emph> Setting aside an hour or two to learn about Money will pay off by making you more efficient. Pay special attention to the videos.</li>
<li><emph>Organize your finances.</emph> Get your paper documents organized so you won't have to spend time searching for your statements and pay stubs when you need to enter information in Money.</li>
<li><emph>Establish a routine.</emph> Once you get into a routine of using Money, you will always have detailed information, such as where and how you spend your money, whenever you need it.</li>
<li><emph>Track income and expenses.</emph> Be sure to consistently categorize your transactions<mdash/>Money is only as accurate as the information you enter.</li>
<li><emph>Read statements and pay bills online.</emph>Connecting online with your financial institutions to do banking, investing, and bill paying can save you time and help you keep your records up to date.</li>
<li><emph>Manage your cash flow.</emph>Scheduling your bills, expenses, and transfers will help you more accurately predict your cash flow.</li>
<li><emph>Pay yourself first.</emph> All financial experts agree: the easiest way to start saving money is to pay yourself first each time you receive income. Savings plans that you don't even have to think about on a monthly basis, such as a payroll deduction, are among the most likely to succeed.</li>
<frgmnt sku="core"><li><emph>Plan for the future.</emph> Use the Lifetime Planner to figure out how to budget, reduce debt, and meet your goals.</li></frgmnt>
