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As much as we might want to take on the “hippie life,” we have to admit that money dictates pretty much everything in our life. We need money to buy food, to pay rent, to go see a movie – we need money for everything. However, money does not fall from the sky. We work hard for it, which means that every penny matters – so we can’t just blow it on the first thing we see in a store. We need to manage our finances properly, so we don’t end up having “too much month at the end of our money.” Here’s a checklist of a variety of steps that you need to go through in order to improve your finances.