Songs to get your finances on track

Katy Perry just might be onto something. Not only does the pop starlet have a string of hits, but it seems she's figured out one of the keys to financial success: putting your money where your mouth is.

And Perry's not the only singer to croon about financial faux pas people make, money matters we could handle better or budget busters we could avoid.

Here, for your enjoyment, is WalletPop's "hit list" of download-worthy songs that are sure to teach you a thing or two about managing your money. And maybe even rev you up to start paying down your debt.

The Gambler by Kenny Rogers
The lyrics: "You've gotta know when to hold 'em, know when to fold 'em, know when to walk away, and know when to run. You never count your money, when you're sitting at the table..."
The lesson: Don't sit back and wait for your financial adviser to suggest solid investments or retirement strategies. Take matters into your own hands, and request bi-annual appointments to review your 401(k) distributions, savings goals and other financial matters. And don't forget knowing when to walk away from plastic, a.k.a. leaving your credit cards at home instead of swiping them at the register.

Waking up in Vegasby Katy Perry
The lyrics: "...shut up and put your money where your mouth is..."
The lesson: Stop talking about "someday" saving for retirement or paying off debt. Talk the talk and walk the financial walk. Start putting your money where you always say you want it to be, instead of blowing it or making excuses to avoid saving.

Anything, Anything by Dramarams
The lyrics: "I'll give you candy. Give you diamonds. Give you pills. I'll give you anything you want, hundred-dollar bills. I'll even let you watch the shows you wanna see...Because, marry me, marry me, marry me...."
Lesson learned: You can't buy love so don't even bother trying. Too many guys (and girls as well) have been taken to the cleaners, shelling out big bucks on trinkets and tokens of their affection only to have their hearts broken and their credit score plummet.

If I had $1,000,000 by Bare Naked Ladies
The lyrics: "If I had a million dollars (If I had a million dollars). Well I'd buy you a house (I'd buy you a house). And if I had a million dollars (If I had a million dollars). I'd buy you furniture for your house (maybe a nice chesterfield or an ottoman)..."
The lesson: Budgets work. Making lists of what you want to pay off or how you should spend your paycheck will help keep you on track to meeting your financial goals -- even if that's stashing away a million dollars!

Just Got Paid by 'NSync
The lyrics: "Just got paid, Friday night. Party hoppin', feelin right. Booties shakin', all around. Pump that jam, while I'm gettin' down..."
The Lesson: Just because you "just got paid" doesn't mean you should abandon your budget goals, even though it's tempting. Being strapped for cash or living paycheck to paycheck can become trying and leave you wanting to splurge.To avoid overspending on impulse, allot a small amount, about 1% to 3% for impulse purchases, and designate the rest for bills and budget goals. That way, you can still "party hop" without pumping up your debt.

Money Changes Everything by Cyndi Lauper
The lyrics: "Money changes everything. Money, money changes everything. We think we know what we're doin'. That don't mean a thing. It's all in the past now. Money changes everything."
The lesson: It's easy to lose sight of how deep you might be falling into debt or where you're hemorrhaging money, especially if you're doing it a little bit at a time. To keep your wits about you, experts suggest designating one day a month as "money day." On that day, you should review your bank and credit card statements, 401(k) balances, monthly bills, etc. That will help identify areas you can cut (like excessive ATM fees or late charges).

Sound off: We want to know what songs have taught you lessons about money or helped form your attitude toward your finances. Let us know your lyrical picks and what they've meant to you.
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