Are you managing your money or is it managing you? Oftentimes, we find ourselves delving into our finances only when we feel forced into a corner; it’s our last ditch effort to save ourselves. But instead of our approach to finances being defensive, it should be proactive. We need to address the foundation and any cracks we’ve created with behaviors. By preparing ourselves for the future, we can avoid the last minute scramble to stay afloat. That’s why we’ve put together four practical and actionable steps to managing money. They’ll help you avoid financial pitfalls and gain back control of your bank account.