Auzim peste tot ca daca vrei sa stai bine cu banii, trebuie sa incepi devreme sa ti-i administrezi. Site-ul american OwnTheDollar.com a facut o lista cu 83 de lucruri pe care ar trebui sa le faci pana la varsta de 30 de ani, pentru a o duce bine cu banii.
"Lets face it…there are some things that you need to do now if you want to be rich in the Golden Years of your life. If you want to retire and eat something other than Ramen noodles and live solely off of your Social Security benefits, you need to start planning for your retirement now. There are things that you need to do with your money, personal finances, and investing in order to set yourself up for success later in life. It is a shame that you have to think about these things right after graduating from college and/or entering the workforce, but you do. The sooner you start making these essential money moves in the early portion of your life, then you will be positioned for success later when you actually have and need money for retirement.
Top 83 Money Moves To Make Right Now….
Stop using credit cards
Pay off your credit cards and other consumer debt
Pay off your credit cards on time and avoid the high late fees
Never have a revolving balance on your credit cards again
Ask for a lower interest rate on your credit cards
Use a charge card you pay off every month and earn rewards points
Start investing in a mutual fund with a Roth IRA
Invest enough in a 401-k to get your company’s matching contribution
Invest in index funds
Invest in no load mutual funds with low fees
Spread your investments around with diversification
Invest using dollar cost averaging
Don’t invest in crazy, exotic investments
If you are going to use a CFP, find one you trust
Bounce ideas off of your CFP
Hire an accountant for your taxes if you get overwhelmed
Have a written monthly budget
Track what you spend ruthlessly every month in order to find places to save
Set financial goals and revisit them often
Double check your W-2 Tax Statements for needed changes
Spend any income tax refund wisely
Change your W-2’s to ensure that you do not get back much in the way of a tax refund
Spend less money than you earn every month
Make all your monthly bills automatic to pay
Check your credit report every year
Protect yourself against identity theft
Safeguard your personal information (on paper & on the internet)
Check all three credit reports when making a large purchase
Understand how your FICO credit score is calculated
Protect your FICO credit score
Stop bouncing checks
Pay yourself first with investments
Start tracking your net worth
Have three to six months of expenses in an emergency fund
Nickname your savings accounts for your goals
Write your goals down
Write notes on those little credit card sleeves to keep you from spending
Save for major purchases
Start saving in January for Christmas
Consider earning a greater rate of return on savings with Peer-to-Peer Lending companies such as Lending Club or Prosper.
Consider investing in Dividend Reinvestment Plans (DRIPS)
Don’t give up on renting an apartment in favor of buying a home
Consider a 15 year mortgage instead of a 30 year one if you can afford it
Negotiate your mortgage interest rate for a huge savings
Check out your neighborhood before moving to a new home
Try to marry the right spouse (divorce is expensive!)
If you are going to buy a new car, buy one, don’t lease
Buy a car with a 48 month note
Don’t buy an automobile extended warranty
Don’t go out to eat every night
Shop at the grocery store with a list and not while you are hungry
Shop around for disability insurance if it is not offered by your employer
Make sure that you have enough life insurance
Consider buying additional term life insurance
Avoid whole life insurance like the plague
Keep your resume polished at all times
Continue to network with peers, coworkers, professors, etc.
Join networking websites like LinkedIn
Learn etiquette for business dinners and interviews
Pick a career as soon as you can
Learn as much as you can about your career and become an expert
Work as hard as you can and don’t shirk at your job
Don’t borrow money from a payday lender
Bundle up your internet, phone, and cable
Use your cell phone and skip the landline
Do not use ATMs that are not your bank’s
Buy generic medication
Practice being frugal wherever you can
Be cautious when making home improvements in order to ensure you will earn your money back when you sell
Don’t beat yourself up about your financial mistakes that you make. Learn from them.
Don’t buy gold from late night television
Take a brown bag lunch to work
Continue learning and earning education, credentials, certifications, etc.
Don’t cash out a Roth IRA before you are 59 ½ years old
Try not to take out a 401-k loan unless absolutely necessary
Teach personal finance skills to your children as soon as you can
Open a 529 college savings plan for your children when they are born
Buy used books, movies, CDs, and video games from websites like Half.com
Earn points for everyday purchases you make through websites like Upromise
Use coupons where you can
Read as many books and educational materials as you can
Follow great people on Twitter
Read as many blogs as you can
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