There are a million tips and rules out there to guide you in personal finance. If you remember any, it should be these four:

1. Avoid credit card debt — in most cases. This is the great abyss and there are other options, like a home equity or personal loan that might serve you better.
2. Save and invest at least 10% of what you earn for retirement. It’s important to plan for your future and the best way to do that is to invest in yourself. 10% is a good target number.
3. Contribute to an emergency fund. Let’s face it…things happen. A good rule of thumb is to set aside enough to cover you for a 6-month period.
4. Live below your means. This means not just spending less than you make, but spending less than than you make after savings.

To learn more about each of these rules, read the full article on USAToday.com.

Credit to:
USA Today and The Motley Fool
4 personal finance rules you should know by heart
By Matthew Frankel, The Motley Fool, Jan. 30, 2018