There was a time when people simply went to work, collected a paycheck and fed their families. Times have changed with the evolution of technology, though, and a growing number of people are becoming educated about finances. And thanks to the internet, you can become a credit expert without spending a dime.

Even with all of this information at the tips of our fingers, it can still be difficult to make the right financial decisions. You have to decide how you’re going to make your current budget work while saving money for the future and carefully building your credit—that’s a lot to handle. Get started by taking a look at these 5 money mistakes you could be making that you can easily fix.

1. Not Budgeting Accurately

Budgeting is the first step to controlling your money situation, whether you’re trying to save or simply live better. The problem is that it can be difficult to get an accurate picture of your budget, especially if you don’t want to be honest. You can’t simply write out a list of your bills and expect that to accurately portray your budget. Your budget should include the money you spend on gas, groceries, online shopping, eating out, and going to the movies. If you’re spending too much to save money or support yourself from month to month, then it’s time to consider cutting back in these miscellaneous spending areas.

2. Avoiding Credit

Credit is a tricky thing. If you abuse credit, you can put yourself in a tight spot that takes a long time to climb out of. However, credit can be a wonderful thing if you use it right, and a good credit score is practically a requirement for a number of things. Learning how to smartly use credit and improve your credit score is one of the biggest steps you can take toward financial freedom.

3. Not Taking Precautions

Having good credit and no debt is part of being in good financial standing, but truly controlling your finances means having a backup plan in place. Purchasing life insurance or taking other similar precautions can be a huge help if something should happen to you. Even putting some money away in a savings account can greatly reduce the stress on your family if you pass away. If you want to be truly financially secure, make sure you have a backup plan in case things don’t go as planned.

4. Accepting Bills

If you’re like most people, each bill is a flat amount that you’re simply required to pay. What a lot of people don’t know, however, is that you can actually negotiate a lot of bills to save some extra money. You can bundle your cable and internet or your different health insurance policies for a discount. You can even call some of your different service providers and ask if there’s anything you can do to save money. However, the easiest way to save some money on your bills is to lower your power bill by making a conscious effort to use less energy.

5. Being Short-Sighted

Whether you’re trying to save money for retirement or simply budgeting for the new laptop you’ve been wanting, you have to keep your eyes on the prize. It can be easy to justify spending $15 on a nice dinner two nights a week, but you’ll regret spending that money when you’re having trouble saving. Managing your money is a marathon, not a race. Carefully weigh all of your decisions and make each of them with the future in mind. A few years of dedication can lead to a lifetime of financial stability.