There’s more to getting ahead financially than earning a good salary.

Achieving financial success is no simple matter. It takes hard work, perseverance and adherence to strategies of saving, investing and managing your finances. Just as there are good habits associated with staying physically fit, there are also best practices involved with keeping financially fit. Simple strategies such as using debt wisely, taking advantage of tax-advantaged investment vehicles, and monitoring spending habits all go a long way toward helping you achieve your personal, business and financial goals.

Consider the “financially fit” best practices below. If you are not already doing them, consider how they could improve your financial picture.

Reduce and Manage Debt

Manage Income and Expenses

Take Advantage of Tax-Deferred Accounts

Plan for the Future

Cathy S. Butler, CFP, CRPC is a financial advisor with the Butler/Luthy Group of Morgan Stanley. For more information, visit morganstanleyfa.com/thebutlerluthygroup.