Top Financial Tips from Guideposts Readers

Most of us could use a little help when it comes to budgeting, spending and saving, so we asked our readers to share the best financial advice they've ever received. Here is some of the wisdom they shared.

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A young green plant sprouts from a stack of coins

My dad told us when we got married, "When you pay your bills, pay yourself, too, even if it is only ten dollars. Put it directly into a savings account and pretend it does not exist."—Jean S. F.

Before spending or buying, ask yourself: Is this a need or a want? Most things are truly wants.—Kristin F. G.

Sunlight streams through a church's stained glass windows

Seek first the kingdom of Heaven. Everything else, including finances, will fall into place.—Paul J.

If you can't pay for it with what you've got, you don't need it.—Kent B.

New cars stretch as far as the eye can see on a automobile dealer's lot

If you have a monthly car payment to pay off your car, put that same amount in the bank to start paying for the next car.—Heather P.

A collection of savings jars filled with coins

Start saving for retirement early in life, even if it's just a little bit.—Mary Beth S.

A calculator, ink pen and credit card bills

Use your credit cards sparingly and pay the balance every month. Don't let credit card debt get out of hand.—Hanna P.

Always, always pay your bills. And if you can't afford it, don't buy it.—Cathie H. B.

A traffic sign that reads 'Retirement Ahead'

If your company has any kind of retirement plan, contribute as much as you can. If the company matches a certain amount, do at least that much. It's like giving yourself a raise, but you reap the rewards later. And, if you don't have it in your hands, you don't miss it as much.—Martha C.