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Tracking how you spend your money helps you to avoid overdrafts or other fees from the bank. Keeping track of your financial situation will reduce your level of stress and make you feel more in control of your money.

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If you need the services of a broker, you should choose a professional that you can rely on. Check their references and get a feel if they are being honest with you. You want to be informed before making any decisions.
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Your FICO score is determined in large part by your credit card balance. If you have high balances on your cards, your score will likely be lower than it otherwise would. Your score will improve as you pay off debt. All balances should be under 20% of any stated credit card maximum limit.
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