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Having good financial habits, especially your habits surrounding debts and other financial obligations, are the keys to having excellent credit. But, we all know how difficult it can be to understand the 'fine print' in most fix credit programs. Here are 11 basic steps you can adopt starting today that will do wonders for your financial wellness.

Teaching kids the keys to sound financial planning.

Wealth is the most coveted thing in this country. People will do silly things and make a fool of themselves on national television for a chance at getting a piece of the action.

When you have taken steps to trim your expense, it is also prudent to look for additional income sources to offset rising cost of living and to save more for rainy days.

Want some great IRA advice? Quit taking out loans for investment purposes and become the bank yourself. By using the IRA services in your self directed account, you can invest and collect the interest, instead of paying it.