Allowing someone else to manage your money can lead to unwanted debt, little freedom to use the money as you see fit, or a loss of financial acumen about how to handle finances. These outcomes could make you more dependent on the person managing your money, which not only makes it difficult to leave an unhealthy relationship, if needed, but also has the potential to create difficult position should that other person no longer handle the finances (e.g., due to severe illness or death). Experts say your total monthly long-term debt payments should not exceed 36% of your gross monthly income (i.e., your income before taxes, health insurance premiums, etc. are taken out). Long-term debt includes your mortgage, auto payments, student loans, and of course, credit cards.  If you exceed 36% of your gross monthly income, create a plan on how you will pay down the debt, starting with the credit lines with the highest interest rates. Possibilities include transferring balances to a lower interest rate credit line, re-designing your monthly budget to allocate more funds to debt servicing, or consolidating debt into one payment with a low interest rate. For example, if you own your own home and can re-finance, it may be possible to use the equity in your home to pay down your debt without opening another line of credit. While you pay down your credit cards, resist the urge to add more to your running total. The only way you will get out of debt is to squash the debt you’ve generated in the past. While you are paying down debt, if you don’t have the cash to cover the costs, skip the purchase.You could also use a debit card, which is equivalent to paying cash. Try not to borrow a friend or family member's money either. Make it easier to pay with cash by keeping a stash on hand at all times. However, make sure you keep your cash in a safe place. Also, make sure to build up plenty of savings so that if unexpected expenses arise (as they most likely will), you can pay out of savings rather than taking on more debt. Think about...

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