If you want to make money and stay financially fit, you’re in the right place! Here are 10 ways to make money and tips on how to manage your money so that you can save up, spend wisely, and live comfortably now and in the future. Let’s get started!

1) Create a budget
A budget forces you to think critically about how much money you have coming in, and how much you’re spending. If you haven’t already, it’s a good idea to create a personal budget for yourself and keep track of your finances for a month or two—or three. Keep an eye on your cash flow so that it isn’t too tight or too loose; having some wiggle room will give you some flexibility if life throws any curveballs your way.

2) Automate your finances
When you automate your finances, you’re creating a system where your money flows seamlessly from your bank account into various investment and savings vehicles on a set schedule. This means that if you don’t have enough cash to make it through an entire month, for example, all of your bills will still be paid—you won’t have bounced checks or overdraft fees eating away at your monthly budget.

3) Track your spending
Tracking your spending, no matter how insignificant you think it is, is one of the most important things you can do to improve your personal finances. Many people look at their checking account balance and make decisions based on that—but by tracking every cent that comes in or goes out, you’ll see where your money really goes (and where it could be better spent). For example, did you know that Americans spend over $30 billion per year just on fast food?

4) Be careful with credit cards
Many people use credit cards to finance a big purchase, but carrying too much debt can put your entire financial picture at risk. Credit card interest rates are typically higher than other loans and borrowing too much can make it difficult for you to pay off that balance. If you do decide on financing with a credit card, don’t carry a balance from month-to-month. Pay it off in full every single month and only charge what you can afford to pay back. Also, watch out for promotional interest rates.

5) Saving for vacation? Save for emergencies, too!
Don’t let your rainy day fund dwindle for vacationing. Set up a separate savings account for emergencies, like car trouble or dental work, because those are among the top reasons people use their emergency funds. If you’re stashing some of your emergency fund in an online bank account that offers an interest rate, take advantage of it.

6) Know when it’s time to talk to an expert
There are, of course, times when you should seek out an expert’s advice: If your business is growing exponentially or struggling to stay afloat, it’s time to talk to an accountant. But if you have questions about how to use Mint or Quicken (two popular tools for personal finance management), ask a friend who’s been using them for awhile.

7) Do you have these savings habits?
Are you contributing at least 15% of your annual income toward your retirement? What about a savings account? If you have no savings habits in place, it’s time to start developing them. Making sure you have money set aside for emergencies is essential, but there are other ways you can save, too. Consider how these personal finance moves could help improve your financial situation. A key to staying financially fit is getting into good saving habits. Here are 10 smart ways to make (and save) money

8) Choose investments carefully
When it comes to investing, patience is key. If you’re willing to wait at least one year for your investments to generate gains, you can greatly reduce your risk of losing money. The market is volatile, but time heals all wounds—so if you take a long-term approach, your investments will likely recover from any current dips.

9) Don’t overspend on student loans
Even if you are paying a small interest rate on your student loans, you still don’t want to rack up student loan debt. Start saving for school as soon as possible. If you know that $30,000 in student loans is what it will cost for a four-year degree, start saving when you’re still in high school so that you can cover all expenses with savings, scholarships, grants and other funding sources.

10) Get rid of debt fast
The fastest way to get rid of debt is by paying more than your minimum payment on each credit card you owe. If possible, put twice as much as your monthly minimum payment toward debt until it’s paid off. Once one account is done, move on to another and so on until they’re all gone. If you’re struggling with debt, use a budget calculator to determine how much money you need every month to pay it off in three years or less.