This is a quick course in money management 101. The sections of the article are: set goals, track spending, automate savings, prepare budget, change behavior, borrow wisely, and prioritize bills. It's not rocket science, but if you haven't reviewed this information for a while (or ever!) it's time to familiarize yourself with it again. Until the economy improves and we can actually afford gas and groceries again, we all have to be wise.