Not so young anymore? There’s no time like the present! How much you save over time depends on how much you deposit and how long it’s on deposit. The simple fact is, the more money you save now, the more you’ll have later.
When you get your paycheck, add some of it to your savings before doing anything else with it. To do that automatically, use direct deposit.
Shoes are a need. But a certain brand of shoes? That’s just a want. A wise person makes sure they have enough for their needs before they spend money on their wants.
Create a budget based on your income and expenses — the more detailed the better. It’s an indispensable tool for living within your means.
It’s not fair to whoever you’re borrowing from. Plus, it could make it harder for you to borrow money in the future.