First rule to financial stability - earn more than you spend.
To know what you earn and what you spend, you should create a budget. There are easy ways to do this. My personal favorite is the Mint website. The website takes all of your accounts and puts them in one place. In addition to seeing the overview of each account, Mint also offers easy budgeting as it keeps a history of all your transactions and sets a suggestion for each budget category.
Before signing up for Mint.com, sign up for eBates.com. eBates is giving $5 to anyone who signs up for Mint.com using their referral link.
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