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Financial Tips You Would Give Your Younger Self

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#CreditChat Wednesdays | 3 p.m. ET Financial Tips You Would Give Your Younger Self


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Join our #CreditChat every Wednesday at 3 p.m. ET. This week, the community shared some personal finance tips they wish they could go back and give their younger selves. ex.pn/hindsight


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#CreditChat Wednesdays | 3 p.m. ET What financial tips would you give your younger self about saving money?


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Save early and often! You won’t notice if you automatically have money sucked out of your accounts. “ Lauren Young @LaurenYoung ” #CreditChat Wednesdays | 3 p.m. ET


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“ Live below your means- just because you can afford it doesn’t mean you should buy it. ” Brad Sherman @shermanwealth #CreditChat Wednesdays | 3 p.m. ET


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“ Start automating your paychecks so a portion goes to a savings account. If you can’t see the money, you can’t spend it. ” MyMoneyCoach.ca @mymoneycoach_ca #CreditChat Wednesdays | 3 p.m. ET


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“ Save 10% of each paycheck. The sooner you start getting into a routine with saving, the better! ” SuperMoney @supermoney #CreditChat Wednesdays | 3 p.m. ET


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#CreditChat Wednesdays | 3 p.m. ET What financial tips would you give your younger self about debt?


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“ Debt can help you do some good things like go to school or buy a car, but don’t bite off more than you can chew. ” Southeast Financial @SFCUNews #CreditChat Wednesdays | 3 p.m. ET


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“ I would make sure my younger self knew how debt works and tie that in with lessons in cash flow. Know what you owe and when. ” Douglas A. Boneparth @dougboneparth #CreditChat Wednesdays | 3 p.m. ET


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“ Know the difference between credit and debt. Learn to use credit as a financial tool. ” Rod Griffin @Rod_Griffin #CreditChat Wednesdays | 3 p.m. ET


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#CreditChat Wednesdays | 3 p.m. ET What financial tips would you give your younger self about budgeting?


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“ Budgeting isn’t meant to be restraining. It’s meant to keep you free; it’ll keep you from falling into debt. ” Leslie H. Tayne, Esq @LeslieHTayneEsq #CreditChat Wednesdays | 3 p.m. ET


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“ Learning to budget is the backbone to your financial success. Spend the time to get organized. ” Kasasa @Kasasa #CreditChat Wednesdays | 3 p.m. ET


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“ Make a list of what you want to spend for a year, but put it in two columns: Wants and Needs. They’re different. ” Brad Sherman @Shermanwealth #CreditChat Wednesdays | 3 p.m. ET


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“ Every good budget starts with tracking your spending so you budget your expenses more accurately. ” MyMoneyCoach.ca @mymoneycoach_ca #CreditChat Wednesdays | 3 p.m. ET


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#CreditChat Wednesdays | 3 p.m. ET What financial tips would you give your younger self about credit and credit scores?


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“ Make sure you’re keeping track of what is being reported on you. Check your scores at least 1/yr. ” Kasasa @Kasasa #CreditChat Wednesdays | 3 p.m. ET


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“ If you can’t afford to pay the whole credit card bill, pay the minimum, then adjust your next month’s budget to catch up. ” Brad Sherman @Shermanwealth #CreditChat Wednesdays | 3 p.m. ET


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“ Get a credit card early! Make small purchases and pay off promptly = strong credit history later on. ” Miriam Cross @MiriamSCross #CreditChat Wednesdays | 3 p.m. ET


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Start establishing credit history as soon as you can. Pay off your debts in a timely manner! “ ” Emerge @emergebenefit #CreditChat Wednesdays | 3 p.m. ET


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#CreditChat Wednesdays | 3 p.m. ET What financial tips would you give your younger self about student loans?


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“ Aim for a college that makes the most sense for your career path, NOT for the name-brand recognition. ” Lauren Young @LaurenYoung #CreditChat Wednesdays | 3 p.m. ET


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“ Unless you have to, don’t pay for more than tuition/books with student loans. Get a job to pay for living expenses. ” Southeast Financial @SFCUNews #CreditChat Wednesdays | 3 p.m. ET


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“ Only get what you need and pay interest when you can. (Even if it’s not technically due yet.) ” Shirley DuBose @MzShirleyD #CreditChat Wednesdays | 3 p.m. ET


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“ Know your student loan rate, terms and deferment options. Make sure you understand them before you take the loan. ” Brad Sherman @Shermanwealth #CreditChat Wednesdays | 3 p.m. ET


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“ If you’re thinking about asking someone to cosign on your loan be aware that if you default, your cosigner will be responsible. ” MyMoneyCoach.ca @mymoneycoach_ca #CreditChat Wednesdays | 3 p.m. ET


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#CreditChat Wednesdays | 3 p.m. ET What financial tips would you give your younger self about investing?


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“ Do the math: the earlier you start saving and investing, the more interest you’re getting on your interest. ” Brad Sherman @Shermanwealth #CreditChat Wednesdays | 3 p.m. ET


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“ Invest in yourself at a young age. Always take advantage of your company’s 401(k) plan. ” Kasasa @Kasasa #CreditChat Wednesdays | 3 p.m. ET


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#CreditChat Wednesdays | 3 p.m. ET What financial tips would you give your younger self about earning extra income?


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“ If you have a side gig (freelance writer, photographer, etc.) you may be able to deduct a lot of expenses at tax time. ” Lauren Young @LaurenYoung #CreditChat Wednesdays | 3 p.m. ET


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“ Nothing wrong with a side hustle. Creating other revenue streams is smart and can help create wealth. Tanya Taylor @ttaylor2u2 ” #CreditChat Wednesdays | 3 p.m. ET


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“ Get a side job now, relax later. Earning that extra income while you’re young can make all the difference in the future. ” Cinch Financial @CinchFinancial #CreditChat Wednesdays | 3 p.m. ET


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#CreditChat Wednesdays | 3 p.m. ET What financial tips would you give your younger self about saving for retirement?


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“ Set your own goals for what you want retirement to look like. Don’t let anyone tell you you have to work till you’re 70! ” Brad Sherman @Shermanwealth #CreditChat Wednesdays | 3 p.m. ET


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“ Retirement seems far away, but it isn’t, and other stuff always comes up. Start now and make it a habit to save. ” Cinch Financial @CinchFinancial #CreditChat Wednesdays | 3 p.m. ET


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“ Don’t give away free money by not taking advantage of an employee match on your 401(k). ” Brad Sherman @Shermanwealth #CreditChat Wednesdays | 3 p.m. ET


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Contribute to a 401(k) as soon as you get your first job. Even better is a Roth 401(k), if you can. “ ” Kiplinger @Kiplinger #CreditChat Wednesdays | 3 p.m. ET


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#CreditChat Wednesdays | 3 p.m. ET What’s the #1 financial tip you would give your younger self?


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“ Don’t put it off! Educate yourself about personal finance and financial planning ASAP, and get comfortable with the concepts. ” Brad Sherman @Shermanwealth #CreditChat Wednesdays | 3 p.m. ET


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“ You can have it all, but you don’t need to have it all at once. ” MyMoneyCoach.ca @mymoneycoach_ca #CreditChat Wednesdays | 3 p.m. ET


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“ Pay yourself first! Kiplinger @Kiplinger ” #CreditChat Wednesdays | 3 p.m. ET


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“ Take your finances seriously. The quality of your decisions determine the quality of your life. ” Tanya Taylor @ttaylor2u2 #CreditChat Wednesdays | 3 p.m. ET


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“ Follow Einstein’s advice: Take advantage of the power of compounding. ” Lauren Young @LaurenYoung #CreditChat Wednesdays | 3 p.m. ET


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