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It’s not about being cheap; it’s about being keen — smart spending and rich living. A smart woman has a legacy that looks better than their wardrobe. Of course the occasional splurge is expected and accepted when it’s just that: occasional. Uncontrolled, frivolous, “keeping up with the Joneses” spending is a habit that must be kicked before you are cozying up to d-e-b-t. The focus is always goal-setting, earning, saving and investing.

There is no magic formula and you don’t have to come from a long line of financially-savvy women to take charge of your finances. There are some guiding principles and that can be adopted to increase your financial security. Managing your money shouldn’t be frightening; with a bit of discipline and awareness it is doable! Follow these nine tips for smarter spending habits.

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