The average credit card balance for Americans is $5,910, according to CNET sister site Bankrate. And there's a growing concern that many credit card accounts will become delinquent as borrowers fall ...

As Castro explains, "You need a solid budget and financial plan in order to set yourself up for long-term financial wellness, avoid running into problems such as racking up credit card debt ...

as well as info on credit card debt, pension contributions and one-off spends. See our six tips before starting your budget. 2. Fill in the free BUDGET PLANNER spreadsheet. Be 100% honest when filling ...