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Sometimes, it’s hard to figure out just where all your money goes. Little purchases can add up fast, and if you’re already in bad financial shape, they can take your situation from bad to worse. That’s why it’s important to develop good personal finance habits. Keep reading to learn more advice anyone can use.

Every dollar counts, and you should find all of the coins in your home and put them in the bank. Search all of your couch cushions and pockets of your jeans, to find extra quarters, dimes, and nickels that you can cash in. This money is better served earning interest than lying around the house.

Look for ways to diversify your income. If having a full-time job is not enough to support your family, there are a number of ways you could earn more money. Start your own online business, buy and sell valuable objects, start trading on the stock market or look for odd jobs on the weekends.

No one likes to think about it, but keeping a current will is a crucial part of protecting your personal finances, in a worst case scenario. If you do not already have a will, then at least take the time to create and save documents that cover your primary assets. Any time you add an asset or a family member, you should also update your will.

When you are in a tight financial situation and need to make arrangements with your creditors, approach the …