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Read on to find out how these can put your own finances in order.

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And not just general budgeting, but by expense categories.

Know what youre spending in each category so you might actually be successful, she added.

This is especially important for expensive items.

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Its important not to compare your financial situation with others based onsocial media appearances, she said.

Instead, focus on gratitude and be present for your own life instead of comparing yourself to others.

They may seem boring, she said, but they are reliable.

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Be smart by making investments with aproven track record.

When youre consistent in those youre really going to get the payoff in the end, Cruze said.

This is even more true the older people get.

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