The hardest part of trying to stay financially-fit: saying no. We’ve all been there. Your friends want to go shopping or maybe you decide that you are right by Target, so why not stop in? Then you get in, and you want EVERYTHING! I could make a whole post about how bad Target is when trying to stay financially-fit 🙂 My point is, it’s hard to say no in the moment, but I am going to share some of my tips that allow me to remain financially-smart.
1. Don’t put yourself in a situation where you can’t say no!
For me, when I go shopping I want to try on all of the cute clothes, and if I find something I like, I don’t want to say no. I’m not saying you can never go out shopping again, because you won’t want to resist all of the cute clothes, etc. that you found. However, I try to limit the times that I go to Target, or go out shopping with my friends. The few times that I do go out then, I don’t feel as guilty when I buy myself a few things that I want.
2. Keep track of your finances
You should always, always, always keep track of how much money you are spending. Chances are, if you check up on how much money is coming out of your bank account after now looking in a while, it will scare you. I try to check every few days to get a feel for how much I am spending, and on what, compared to what I am making.
3. Use helpful resources
There are resources all over the internet that can help you make smart financial decisions. Some help with saving money, some give credit card resources, and some give overall tips and tricks. Use these resources to help guide you to a good financial future!
P.s. don’t keep yourself from having fun!
–this one isn’t really a tip to remain financially-smart, it’s more like a tip to keep yourself sane. It’s important to stay financially-stable in your young adult years to set a good foundation for the rest of your adult life. It is also important to have fun and spend a little of your hard-earned money every once in a while. As long as you don’t go overboard, and keep track of your finances, it’s okay to go out and enjoy time with friends, which will probably result in you spending money.
I hope my experiences trying to stay financially-smart were helpful in some way to you! Let me know your tips and tricks to a happy financial life! 🙂