If you don't properly manage your finances, you can suffer physical and emotional consequences. Read on for some tips on managing your finances. Make sure you stay on top of your credit score. If you want to have low interest on a loan or credit card, you will need to have a good credit score. Low credit ratings also can prevent you from purchasing your dream home or getting credit when you need it. Use your credit proficiently to protect your credit score. Use your tax return to help reduce the amount of your debts. Rather than repaying their debts, most people go shopping with their tax refunds. By doing this, the debt is still there, even when the money isn't. When you're having trouble getting rid of credit card debt, avoid adding new charges. Cut your spending and do everything you can to avoid maxing out any of your credit cards. Be sure to pay your monthly balance prior to starting to use your card again. If you are going to make little purchases, carry cash, bank checks and a debit card. Merchants are allowed to establish a minimum account for credit cards or bank checks. The balances on your credit cards affect your FICO score. Your score may be lower if your credit cards have a high balance. On the other hand, when you pay off your credit card balance, your FICO score will improve. Do your best to keep your balance below the maximum credit limit by 20% or less. If you are thinking about buying a new house, you should build your credit score to begin with. You can either pay back your small loan or get two cards with the balance. You need to pay your card as a whole on all of your bills. Many products out there have some kind of a warranty on them, and if something should go wrong with the product, it would tend to happen during the period of the warranty. Extended warranties only serve to profit the company you bought them from. Consider adding international investments to your portfolio. No-load mutual funds are the safest way to make foreign investments and are not as volatile as individual stocks. When you are married, the spouse that has the better credit should apply in their name. If your credit is poor, take time to start building it up with a card that is regularly paid off. After achieving good credit scores, spread the debt between both of you. Try negotiating with collections agencies. These agencies bought your debt for pennies on the dollar. They will make a profit even if you pay a percentage of your debt. Use this to your advantage when paying off old debts.Find out how much you can spend and create a budget on your findings Find and target areas where you are spending too much money. Not tracking your money and where you spend it is one of the main reasons people end up in debt and with no savings. In order to make this less stressful and perhaps more interesting, you can use personal finance software. If there is money left, you can use these funds to pay off debt or put it into a bank account. Avoid using credit cards instead pay with your business checks. Also find ways to reduce interest payments on other loans such as car loans and your mortgage. It is a waste to have to pay interest. If you are wanting to maintain a comfortable lifestyle, then you should always avoid interest payments whenever it is possible. Always review your bank and credit card statements for accuracy. This way you can make sure the fees and rates have not quietly increased on you. Many folks don't review bank statements and end up paying more in fees than necessary. Read your statement carefully each month for the reason. Bear in mind that moving for work can mean that the higher salary you are receiving, is indicative of the cost of living. Take a hard look at average prices for rentals, homes, food and utilities for that area so you know what to expect. By working on your finances, you will have a good picture of where you stand financially. Having your finances in order will help reduce the amount of stress you are feeling and will allow you to pay attention to other aspects of your life which may be getting neglected. This is one of the best resource for business checks that you can find online.