https://padlet.com/anna_stockton/9xmn6u58u0bn en-us 2018-04-25 13:30:31 UTC 2018-04-25 13:58:49 UTC hello@padlet.com anna_stockton https://padlet.com/anna_stockton/9xmn6u58u0bn/wish/255226441  If you're really looking to be financially responsible, just being able to make your credit card payment doesn't cut it. In fact, the fact that you have a credit card payment at all and aren't able to pay your balance in full shows that you already spend more than you earn. (page 2)]]> 2018-04-25 13:42:33 UTC https://padlet.com/anna_stockton/9xmn6u58u0bn/wish/255226441 anna_stockton https://padlet.com/anna_stockton/9xmn6u58u0bn/wish/255227324 Spending every dime that you earn is simply irresponsible. For most people, especially those hoping to retire someday, saving is an activity that must be taken seriously. A great way to do this is when you get your paycheck, pay yourself first. Put that money into a savings account. A good goal to save is 10% of each paycheck. (page 3)]]> 2018-04-25 13:44:09 UTC https://padlet.com/anna_stockton/9xmn6u58u0bn/wish/255227324 anna_stockton https://padlet.com/anna_stockton/9xmn6u58u0bn/wish/255227620  Having a budget is one the core pillars of financial responsibility. You should know where your money is going. Business owners know the importance of understanding their cash flows and balance sheets; as a result, no successful business exists without a budget.  (page 4) ]]> 2018-04-25 13:44:47 UTC https://padlet.com/anna_stockton/9xmn6u58u0bn/wish/255227620 anna_stockton https://padlet.com/anna_stockton/9xmn6u58u0bn/wish/255233268 Credit cards should be used for convenience rather than to make ends meet.]]> 2018-04-25 13:55:26 UTC https://padlet.com/anna_stockton/9xmn6u58u0bn/wish/255233268 anna_stockton https://padlet.com/anna_stockton/9xmn6u58u0bn/wish/255234084 To be financially responsible means to be prepared for the unexpected. This means you probably should be able to sustain yourself for 6 months without an income.]]> 2018-04-25 13:56:49 UTC https://padlet.com/anna_stockton/9xmn6u58u0bn/wish/255234084 anna_stockton https://padlet.com/anna_stockton/9xmn6u58u0bn/wish/255235056 A good tip to live by while being financially responsible is, if you cant buy is twice you probably cant afford it.]]> 2018-04-25 13:58:25 UTC https://padlet.com/anna_stockton/9xmn6u58u0bn/wish/255235056