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I think that I do a decent job when it comes to saving my money. During the time that I had a job I had my paychecks go straight into my savings account. I never touch that money because I want to save it for future need like college, a house, or my own car. I also try to save 50% of my allowance to put in mu savings account. Therefore, I think that by doing this I have practiced a responsible way of managing money.

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When I think about an example of someone being irresponsible I first think of one of my friends. She used to work at the same place I did, but she never saved her money. She would spend her paychecks soon after she got them and often needed to ask her mom for more money. She would spend her money on clothes, activities, and things that she really didn't need. I understand spending some money, but it isn't good when you don't save any at all. Thus, my friend's way of managing money is an example of irresponsible money management.

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-Don't have a credit card payment every month
- When it comes to buying a house, " in financial terms, this means it shouldn't cost more than two or 2.5- times your yearly income" (pg. 3).
-Don't spend every dime you earn
-Pay yourself first
-Save as much money as you can
-" Put that money into a savings account. A good goal to save is 10% of each paycheck" (pg. 3).

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-In order to not go into debt, " Another healthy estimate is that your monthly mortgage payment should not cost more than 30% of your monthly take-home pay" (pg. 3).
-It is important to continuously save your money for a possible emergency situation: one should be able to live off of savings for 6 months
-Budgeting