Learn the difference between need and want.
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Should live within monthly budget,but using credit cards & paying them off every month can save you money. Am Ex card gives 6% back on groceries;Costco Visa gives 5% back on gas; citi card gives 2% back on everything;I believe Amazon cards gives 5% back- but must pay off monthly.
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@DaveRamsey changed my life with that very knowledgeThanks. Twitter will use this to make your timeline better. UndoUndo
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Our government has regulated away the kinds of opportunity that allowed families to slowly build wealth without much debt. Good read from
@strongtownshttps://www.strongtowns.org/journal/2016/2/3/bootstrapping …Thanks. Twitter will use this to make your timeline better. UndoUndo
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I think the cost of living in big California cities is just a bit too high for almost anyone to do this there. They prefer to pay credit for their closet sized share of a home.
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Agree 100%... they need to teach financial literacy in school
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I’ve done this for years.
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Online banking makes it so much easier. Every pay check gets divided and split into separate accounts with the goal of a minumal standing checking account . If need cash I have to physically move the money to my checking.
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It’s not just plastic, thou it’s a big issue also. It’s FB and instagram showing your peers hedonism, that has a powerful subconscious pull to drive us to the same. Saving is extra difficult now as social media delivers us a view of how easy and fun instant gratification is.
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