Today, most people carry some amount of debt. This may include student loans, personal loans, or credit card bills. And sometimes it may be challenging to prioritize these debts over other everyday expenses. But making a plan to manage your payments and balances can help you take control of your finances. These nine tips may help you take steps toward managing your debt and improving your credit—which means you may be on your way toward maintaining healthy financial habits that pay off in the long run. This is how empowered becomes Empowerful.

Before you can prosper, you need to understand and improve your financial health. Wells Fargo’s 8 Rules of Thumb to Financial Health are a good place to start. They provide easy-to-follow steps to help you increase savings, reduce debt and feel more confident about your finances. When you improve your financial health, you can finally start to prosper and grow your wealth. This is how empowered becomes Empowerful.