Pay off your credit cards, lock all but one away and pay that balance every month if possible.

Women tend to have poorer credit records. It would NOT be my advice to younger working women to go without building a credit record! That is a disservice, especially when circumstances change and women are so easily penalized for being older, earning less money, and being poorer credit risks.

Also, women statistically tend to save less money and participate less in company retirement plans than men. We need to change attitudes and become as fully involved as men in how we handle our own money and financial planning.