1. Get Paid What You're Worth and Spend Less Than You Earn - Easier said than done?

2. Stick To A Budget - How else would we know what we're spending on?

3. Pay Off Credit Card Debt - Sounds familiar?

4. Contribute To A Retirement Plan - Never too early or late to start

5. Have A Savings Plan - Are we naturally savers?

6. Invest! - Protect your wealth. Start investing!

7. Maximize Your Employment Benefits - Taking advantage of benefits could save you $$$ substantially

8. Review Your Insurance Coverages - How do we know if have too little or too much?

9. Update Your Will - Protect your loved ones. Write a will no matter how much or little you own.

10. Keep Good Records - If you don't keep good records, you're probably not claiming all your allowable income tax deductions and credits.

Have you incorporated these tips into your daily life? If you are doing less than 6 items on the list, it would perhaps be a good time to start.

I'm beginning to do a checklist and hopefully get a couple of them done, and make the best out of my situation.