Financial Management
Strategies
Budget Strategies
Housing
Credit Card Strategies
Identity Theft Prevention Strategies
Entertainment
Miscellaneous
Make a monthly budget
Turn off lights when not in use
Eat out less
Avoid Late Payments
Late payments will drop your credit score each time you have a late payment.
Balance Wants v.s Needs
Pay of Balance Each Month
Needs are something you need ti survive and have a good life
Paying if the balance it important. If you don't pay off you balance that month the amount will go up because of the interest rate
If you don't pay off your balance and the amount keeps going up and that will drop your credit score each time.
Credit card companys can use a late payment as reason to up you interest amount.
Wants are like accessory for life. For example you don't need jewelry but you need clothes.
Get a roommate
Unsubscribe to cable TV or other TV services
Split Meals with friends
Use restaurant coupons
Eat early and take advantage of happy hours
Rent movies instead of going to the movies
Don't spend money to relieve stress
Consider wants v.s needs
Avoid impulse purchases
Personal
Banking
Limit the amount of cards in your wallet
Make hard pins
Don't give out personal information unless positive the site is real
Don't carry passwords or important information in your wallet
Don't use personal checks when traveling
Paycheck direct deposit into bank account
Resources
Don't be afraid to ask questions
Mark over address and all personal information before throwing mail away
Get mail as soon as possible