1) Pay your tithing first. Pay a generous fast offering.
2) Save Money. Pay yourself first and plan for retirement.
3) Avoid Debt, especially junk debt (anything you buy that is not an asset). Pay off any debt as quickly as possible; once something has been paid off, apply that amount to any other debt you may have until you have no debt remaining.
4) Use a budget and track all your expenditures. Know where your money is going and learn to manage money before it manages you.
5) Live with-in your means. Spend much less than you earn.
6) Learn self-discipline and self-restraint in money matters.
7) Make education a continuing process.
8) Build a reserve and keep at least $500 in it.
9) Keep appropriate insurance.
10) Teach your family how to manage their finances.