By: Brad Davis, owner of Valpak of Fort Lauderdale: 1. Make it your goal to create a household budget where income consistently outweighs expenses. Track all of your expenses closely (write them down or on your computer) and stick to your budget!

By: Brad Davis, owner of Valpak of Fort Lauderdale: 1. Make it your goal to create a household budget where income consistently outweighs expenses. Track all of your expenses closely (write them down or on your computer) and stick to your budget!