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If you have never been formally taught about personal finance, there are a lot of things you’ll need to figure out on your own. But, there is a vast array of resources out there to help you learn. Personal finances are critical to the success of every single adult, and if you haven’t taken the time to learn yet, it’s never too late to get started. In less than a year, you can go from a financial mess to a financial guru without spending a dime on classes. Everything you need to become an expert is at your fingertips. Here are four ways to get good with money in less than one year.

Become an expert on debt.

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Everyone should understand debt, how it works, what it costs, how you get into it, how to avoid it, and how to get out of it. Debt is one of the biggest financial problems facing most Americans. The total personal debt in the United States is over $13.8 trillion. There are companies like the Global Legal Law Firm, who have made it their business to help businesses with their debt collection as collection attorneys. The mass of personal debt in this country has made their services necessary for companies trying to thrive despite the tremendous amount of money owed to them. Collection attorneys are utilized when all other pathways have been explored.

Learning about debt and learning how to live without massive amounts of unchecked debt will save you a significant amount of money. Some debt, like car loans or mortgage loans, are more controlled and can be utilized to buy things you can’t afford. However, those payments are worked into your monthly budget as part of your overall expenses. Credit card debt should be avoided at all costs.

Learn how “buy low, sell high” can work for you.

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Investing is one of the most significant and most efficient ways of gaining wealth because you’re making your money work for you. Regardless of whether you go into the stock market, real estate, or any other type of investment, the underlying strategy is to buy low, sell high. Understanding the reality of what that means and how to execute it will ensure you great success and wealth. Learning the ins-and-outs of the investment industry is essential, but there is such a thing as too much information, as well. You can spend so much time researching that you never actually jump into the game of investing. If you learn the basics of buy low, sell high, you’ll have the information you need to grow wealth.

Find trusted resources on financial information.

There is so much information online that it may be hard to know what you should trust. The key is to look at the source of information and what the company’s aim is in providing that information. If a company is providing information intended to sell their products, then it may not be the most objective or trustworthy source. However, if a company or website is providing information to create a resource or to become an established authority, the knowledge from that source can be considered reliable. St. Mary’s Credit Union offers an online mortgage 101 as a means of educating people about mortgage loans before getting one.

Put your lessons into action.

Learning everything there is to know about personal finance won’t accomplish anything if you don’t put what you’ve learned into practice. You can live a comfortable life and build wealth regardless of your income when you understand how money works and how it can work for you.