... Money8How to Make a Spending Plan To establish and maintain a good credit record and to demonstrate your ability to manage and repay your debts, make a spending plan and live within it. To develop ... 184Building credit and saving money to achieve your long-termgoals takes time, discipline, and patience. To begin doingso, it’s important to understand the basics of banking and how to establish ... map” to help guide you in working toward long-term financial security.37309_Text_AA2:0117 4/9/08 6:37 AM Page 16Your Credit, Your Home, and Your FutureA Guide to Better Credit, Money Management, and...