https://padlet.com/sever12113/pbrqs6k66gnf en-us 2018-05-15 16:03:55 UTC 2018-05-21 16:24:31 UTC hello@padlet.com sever12113 https://padlet.com/sever12113/pbrqs6k66gnf/wish/260917651 - Borrow what you are able to repay
-Pay your debts on time
-Understand your credit contract --Report lost or stolen credit cards asap
-Never tell anyone your credit card number
-Notify creditor if unable to meet payments
 The average household that’s carrying credit card debt has a balance of $15,983. according to https://www.nerdwallet.com/blog/average-credit-card-debt-household/]]> 2018-05-15 16:21:29 UTC https://padlet.com/sever12113/pbrqs6k66gnf/wish/260917651 sever12113 https://padlet.com/sever12113/pbrqs6k66gnf/wish/261289634 Location: How close are their ATMs and banks?
Fees: look for account minimum fees, overdraft fees, and ATM fees
Interest: Try to look for one with a low interest rate
Benefits: Look for benefits and discounts that apply to you
Reviews: Look at reviews and peoples opinions first
 The average balance in U.S. households is $9,132 according to https://www.valuepenguin.com/banking/average-checking-account-balance


]]> 2018-05-16 16:29:11 UTC https://padlet.com/sever12113/pbrqs6k66gnf/wish/261289634 sever12113 https://padlet.com/sever12113/pbrqs6k66gnf/wish/261415936 1. Put a time-limit on your goal
2. Calculate how much money you need to save to get your goal within that time limit
3. Find out how much you need to cut down on
4. Make sure it's realistic
5. Track your progress
6. Write down your money goals, 90% of people don't do this step and it's crucial according to this article https://www.bizjournals.com/boston/blog/mass-high-tech/2012/09/goal-setting-why-90-of-us-dont-do.html

]]> 2018-05-17 00:30:53 UTC https://padlet.com/sever12113/pbrqs6k66gnf/wish/261415936 sever12113 https://padlet.com/sever12113/pbrqs6k66gnf/wish/261417988 1. Estimate your net income
2. Keep track of your spendings
3. Make a plan based off of your net income and spendings
4. Adjust your habits to fit new plan
5. Keep checking to be safe
The number of people 60 and older with student loan debts has quadrupled in the last decade according to this document https://s3.amazonaws.com/files.consumerfinance.gov/f/documents/201701_cfpb_OA-Student-Loan-Snapshot.pdf]]> 2018-05-17 00:41:49 UTC https://padlet.com/sever12113/pbrqs6k66gnf/wish/261417988 sever12113 https://padlet.com/sever12113/pbrqs6k66gnf/wish/261975156 -Save not just money but save on things you use like water and electricty
-Start an emergency fund
-Set money to the side that you take out of your salary
-Keep your subscribtions to a minimum. You don't need HBO, Netflix, and Hulu
-Establish a budget with the easy to follow procedure I made below this
-Write a list before shopping makeing you less inclined to buy compulsivly
-Sell things you don't need anymore
- Don't use credit cards for anything unless you need to 
-Avoid costly habits like smoking
57% of Americans have around 1,000 or below in their savings account according to this article https://www.cnbc.com/2017/09/13/how-much-americans-at-have-in-their-savings-accounts.html]]> 2018-05-18 16:07:55 UTC https://padlet.com/sever12113/pbrqs6k66gnf/wish/261975156