Most people would agree that money, or the lack of it, is always on the top of their list of concerns. Bettering your finances really is possible if you begin with these simple steps.

1. Check your credit report at least twice a year. You can request basic reports for free or more detailed reports for a nominal fee from various online credit bureaus.

2. Pay down your high interest non-tax deductible loans first.

3. Pay yourself first by investing in your retirement. If your employer has a 401(k) plan, take full advantage of it. The money will grow tax deferred with interest.

4. Purchase health insurance and homeowners or renters insurance. Many employers offer Health Savings Accounts, which are becoming more flexible and affordable. The cost of having insurance is minimal compared to the cost of even a short hospital stay.

5. Get organized! Keep track of your expenditures and saving with some type of financial software package. Most new computers come with free, built in evaluation copies.

6. Develop a budget. Budget worksheets may be found online free of charge.

7. Pay your bills on time to avoid costly late fees and penalties.

8. Shop around for the best deals. The internet has revolutionize shoppers abilities to comparison shop, so take advantage of it.

9. Balance your checkbook monthly.

10. Divide your financial goals into small steps so you dont feel overwhelmed. And if you slip up, dont be too hard on yourself. Just review the plan and start again.