Keeping your personal finance in order is vital to avoid debt and afford certain things like a car or, your home at a lower interest rate. Getting your money in order helps avoid the stress and disarray caused by mounting debt.

The good news is, a financial situation can be improved, mainly through self-discipline. Following are 4 major tips for financial quick fixes that you can try when going gets tough. Not in particular order, all of these need to be taken care off at the same time.

Let’s admit it, for most of us managing finances effectively is a tough task. I said most, and by this I meant – probably 90% of us, who do struggle to get finances in order. There are some bitter truth about personal finances that will come across as challenges. But, barring few wealthy people, most of us will struggle to keep up to those. Today let me tell you these bitter and tough facts about personal finance.

Your parents did their best to prepare you for the real world. Your schools taught you to tackle any situation. Unfortunately, their lessons in money management may have been slightly off. We were not taught to cope up with these financial bitter facts that’d surely come and bite us.

Managing your finances can be a rather stressing task because there are so many influencing factors. Your income or lack of it. Your savings or lack of it. Your spending or excess of it. But most importantly what you want and how much control you have in place with respect to spending your money determines your financial success.

Some people seem to have a knack at being good in managing their finances, but there are some of us who struggle a little (or a lot). More than one-third of American population is in debt. So, we do struggle. A lot!

Other than learning tips and tricks from finance gurus, you sometimes learn through your own mistakes. Making financial mistake is no doubt a mistake that comes with a hefty price, pun intended, but it will definitely be a lesson too valuable for you to forget.