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It can be difficult to get a handle on your personal finances. By learning how to deal with your finances now, you will be able to stay out of a lot of trouble later on in your life. Online banking and other new tools can make it easier for you, but you have to know how you spend your income. Buying lean protein in various bulk amounts can help you save a lot of time and money. It will always save you money if you can buy in bulk as long as you are able to use all that you purchased. Grill up plenty of chicken in advance, then you'll have it ready for several days' worth of quick meals. It is in your best interest to keep track of important deadlines and dates for filing income taxes. If you will be receiving a refund, file early to receive your money more quickly. It's better to file closer to the due date of April 15 if you owe money to the government. Your two largest purchases are likely to be the house you live in and your car. The payments and the interest rates on these things are probably going to be a big part of how much you spend monthly. Try to pay them off quickly by making extra payments or applying your tax refund toward the principal. Never spend too much on food you will not eat; even if it is on sale. Buying in bulk can be great, so long as you actually use everything you bought. Make the most of the bargains without wasting your money. Some people spend $20 to $30 each week in lottery drawings hoping to 'win it big.' Instead, invest that same amount of money in a savings account. This is a better option because it will grow over time versus being wasted on a gamble. If you are younger than 21 and hope for a credit card, stay mindful of the rule changes enacted in recent years. Traditionally, credit cards were provided for students who are college aged for free. These days, you'll be required to demonstrate that you have a reliable income or a cosigner to pay the debt in case you default. Realize what requirements you need before applying for a card. By keeping track of where your money is going, you have a better chance at avoiding overdraft charges from your bank or money troubles when something comes up. By monitoring your finances yourself instead of just assuming your bank does it for you will make you feel much more safe and confident about your finances.