By dror klar
 Everybody wants to save money, but the way you do it versus the way someone else does it may be very different. There are lots of ways to go about saving a little extra money every month and we are here to give you a few ideas.
Try to figure out what you purchase every month that you do not need and scrap it. Get a 20 ounce soda every day after work? Get out your calculator and multiply the number of days a week you work by how much that soda costs you every time you buy it and see how much money you are throwing away. Do you smoke? With packs of cigarettes averaging over $4 per pack, you probably spend over $1,000 to $1,800 per year just on this habit alone! That is enough for a decent vacation or in a lot of cases, a full house payment! Ditch smoking as soon as possible if you are money-minded.
Take a look at your subscriptions and ask yourself if you really need them. I have |
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By dror klar
 Starting out from scratch with no credit after high school can be a confusing time, since you have likely never been exposed to such things as credit cards, checking accounts, loans, and 401(k)s, but building your own credit does not have to be that difficult at all as long as you have a sense of responsibility when it comes to your money. You may be tempted to rush out and get a credit card immediately after you turn 18, but you cannot do this in most cases and get one without having a checking and a savings account first. You also have to have a job to be initially approved for the card, but not to keep carrying it, much in the same way that an apartment complex cannot evict you for not having a job, but they can evict you for not paying the rent.
Before getting a credit card, ask yourself what you want to use it for. If the answer is anything other than building credit, then you probably do not need a credit card. You should understand that |
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