Which reflect effective personal financial management skills? Select all that apply

A) Living within your means
B) Maintaining a balance and paying interest on your credit cards
C) Avoiding the expense for insurance
D) Avoiding high-interest loans
E) Using instant tax refund companies
F) Paying bills on time
G) Having creditors contact you at work
H) Adding to a savings account
J) Planning ahead for retirement
K) Cosigning a loan for a friend

Answer: A, D, F, H, J