16,99 €
Mehr erfahren.
- Herausgeber: John Wiley & Sons
- Kategorie: Ratgeber
- Sprache: Englisch
- Veröffentlichungsjahr: 2021
The money lessons you wish you'd learned in school Personal Finance in Your 20s & 30s For Dummies helps Millennials and Zoomers like you make smart financial moves. It's not as tough as it looks to reduce and file your taxes, pay off your student debt, buy a home, keep a budget to save and invest wisely, or start that side hustle, just to name a few. With a little bit of focus, you can start a clear path to financial freedom and avoid mistakes today. Your future self will thank you. This edition is full of updates for the 2020s; wrap your mind around your investment opportunities, the realities of making a second income, higher ed options for career advancement, and lessons learned from the COVID-19 pandemic. If you're in need of financial guidance--and who isn't?--this is the book you need. * Pay off loans, manage your credit, begin the home-buying journey, and more * Set realistic money goals so you can create a solid path for financial success * Make smart decisions to beef up your bank account and investment portfolio * Protect the money you have today and learn how to put your money to work for the future Get ready to turn up the volume on your financial know-how and stop worrying about money!
Sie lesen das E-Book in den Legimi-Apps auf:
Seitenzahl: 556
Ähnliche
Personal Finance in Your 20s & 30s
Building a Solid Personal Finance Foundation in Your 20s and 30s
You’re finished with school and entering the workforce. You want to make sure you create a firm foundation for your personal finances. Keep the following in mind when you start:
Get a checkup:
Just as you benefit from a health checkup, be sure to get a checkup on your finances to ensure you’re making the most of your money and your financial decisions.
Determine what you need with transaction and savings accounts and evaluate which banks and other financial firms offer accounts that best meet your needs.
Be on guard for high fees that erode your savings.
Celebrate the savings habit.
The earlier in life you’re able to save money regularly, the smaller the portion of your income you’ll need to save to accomplish a given goal. Scrutinize your current spending so you know where your money is going and you can identify what to do about it.
Be on the lookout for spending reduction opportunities.
Regularly saving money, especially on a modest income, is challenging. I present many ideas for reducing your spending, but ultimately, how you cut your spending is a matter of personal preference.
Understand good and bad debt.
Debt can be a useful tool to enable the purchase of real estate or other valuable assets. Avoid consumer debt, such as on credit cards and auto loans. Consumer debt tends to be costly, and the interest isn’t tax-deductible.
Managing Finances and Daily Living in Your Young-Adult Years
Getting a paycheck and having a job requires more responsibility. Be sure to consider these important points when you’re encountering finances in your 20s and 30s:
Know and manage your credit score.
Your
credit score
is a number that quantifies for lenders how likely you are to repay debts. Periodically access your credit reports, which you can do for free, and understand the steps you can take, as needed, to boost your credit score. Also take steps to protect your identity.
Consider all options before deciding to rent or buy.
Renting and sharing living space can be both economical and fun if you avoid the pitfalls. Buying and owning may make sense if you see yourself staying put for an extended period of time.
Communicate with your partner about money.
Money is often a source of friction in relationships. Thinking about money and planning how to manage it upfront with loved ones is usually time well spent.
Protecting Yourself and Your Income
Insurance plays a significant role in protecting your interests, including your health, your income, your property, and so on. Make sure you insure the following:
Your health:
Though you may feel that you’re not likely to need it, having health insurance is wise. With a properly designed plan, you can contain the cost and get needed coverage.
Your income:
Even if you have no dependents, you surely depend on your income, so you should have long-term disability insurance. And if you have dependents, you may need life insurance, too.
Your possessions:
Insurance on your car, home, and other valuable possessions protects those assets from loss and damage and protects you from lawsuits. Beware, though, of small-stuff policies that aren’t worth buying.
Praise for Eric Tyson
“Eric Tyson is doing something important — namely, helping people at all income levels to take control of their financial futures. This book is a natural outgrowth of Tyson’s vision that he has nurtured for years. Like Henry Ford, he wants to make something that was previously accessible only to the wealthy accessible to middle-income Americans.”
— James C. Collins, coauthor of the national bestseller Built to Last; former lecturer in business, Stanford Graduate School of Business
“Personal Finance For Dummies is the perfect book for people who feel guilty about inadequately managing their money but are intimidated by all of the publications out there. It’s a painless way to learn how to take control.”
— National Public Radio’s Sound Money
“Eric Tyson … seems the perfect writer for a For Dummies book. He doesn’t tell you what to do or consider doing without explaining the whys and hows — and the booby traps to avoid — in plain English… . It will lead you through the thickets of your own finances as painlessly as I can imagine.”
— Chicago Tribune
“This book provides easy-to-understand personal financial information and advice for those without great wealth or knowledge in this area. Practitioners like Eric Tyson, who care about the well-being of middle-income people, are rare in today’s society.”
— Joel Hyatt, founder of Hyatt Legal Services, one of the nation’s largest general-practice personal legal service firms
More Bestselling For Dummies Titles by Eric Tyson
Investing For Dummies
A Wall Street Journal bestseller, this book walks you through how to build wealth in stocks, real estate, and small business as well as other investments. Also check out Investing in Your 20s and 30s For Dummies.
Mutual Funds For Dummies
This best-selling guide is now updated to include current fund and portfolio recommendations. Using the practical tips and techniques, you’ll design a mutual fund investment plan suited to your income, lifestyle, and risk preferences.
Home Buying Kit For Dummies
America’s #1 real-estate book includes coverage of online resources in addition to sound financial advice from Eric Tyson and frontline real-estate insights from industry veteran Ray Brown. Also available from America’s best-selling real-estate team of Tyson and Brown: House Selling For Dummies and Mortgages For Dummies with Robert Griswold.
Real Estate Investing For Dummies
Real estate is a proven wealth-building investment, but many people don’t know how to go about making and managing rental property investments. Real-estate and property management expert Robert Griswold and Eric Tyson cover the gamut of property investment options, strategies, and techniques.
Small Business For Dummies
Take control of your future, and make the leap from employee to entrepreneur with this enterprising guide. From drafting a business plan to managing costs, you’ll profit from expert advice and real-world examples that cover every aspect of building your own business. Also check out Tyson’s Small Business Taxes For Dummies.
Personal Finance in Your 20s & 30s For Dummies®, 3rd Edition
Published by: John Wiley & Sons, Inc., 111 River Street, Hoboken, NJ 07030-5774, www.wiley.com
Copyright © 2021 by John Wiley & Sons, Inc., Hoboken, New Jersey
Published simultaneously in Canada
No part of this publication may be reproduced, stored in a retrieval system or transmitted in any form or by any means, electronic, mechanical, photocopying, recording, scanning or otherwise, except as permitted under Sections 107 or 108 of the 1976 United States Copyright Act, without the prior written permission of the Publisher. Requests to the Publisher for permission should be addressed to the Permissions Department, John Wiley & Sons, Inc., 111 River Street, Hoboken, NJ 07030, (201) 748-6011, fax (201) 748-6008, or online at http://www.wiley.com/go/permissions.
Trademarks: Wiley, For Dummies, the Dummies Man logo, Dummies.com, Making Everything Easier, and related trade dress are trademarks or registered trademarks of John Wiley & Sons, Inc. and may not be used without written permission. All other trademarks are the property of their respective owners. John Wiley & Sons, Inc. is not associated with any product or vendor mentioned in this book.
LIMIT OF LIABILITY/DISCLAIMER OF WARRANTY: THE PUBLISHER AND THE AUTHOR MAKE NO REPRESENTATIONS OR WARRANTIES WITH RESPECT TO THE ACCURACY OR COMPLETENESS OF THE CONTENTS OF THIS WORK AND SPECIFICALLY DISCLAIM ALL WARRANTIES, INCLUDING WITHOUT LIMITATION WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE. NO WARRANTY MAY BE CREATED OR EXTENDED BY SALES OR PROMOTIONAL MATERIALS. THE ADVICE AND STRATEGIES CONTAINED HEREIN MAY NOT BE SUITABLE FOR EVERY SITUATION. THIS WORK IS SOLD WITH THE UNDERSTANDING THAT THE PUBLISHER IS NOT ENGAGED IN RENDERING LEGAL, ACCOUNTING, OR OTHER PROFESSIONAL SERVICES. IF PROFESSIONAL ASSISTANCE IS REQUIRED, THE SERVICES OF A COMPETENT PROFESSIONAL PERSON SHOULD BE SOUGHT. NEITHER THE PUBLISHER NOR THE AUTHOR SHALL BE LIABLE FOR DAMAGES ARISING HEREFROM. THE FACT THAT AN ORGANIZATION OR WEBSITE IS REFERRED TO IN THIS WORK AS A CITATION AND/OR A POTENTIAL SOURCE OF FURTHER INFORMATION DOES NOT MEAN THAT THE AUTHOR OR THE PUBLISHER ENDORSES THE INFORMATION THE ORGANIZATION OR WEBSITE MAY PROVIDE OR RECOMMENDATIONS IT MAY MAKE. FURTHER, READERS SHOULD BE AWARE THAT INTERNET WEBSITES LISTED IN THIS WORK MAY HAVE CHANGED OR DISAPPEARED BETWEEN WHEN THIS WORK WAS WRITTEN AND WHEN IT IS READ.
For general information on our other products and services, please contact our Customer Care Department within the U.S. at 877-762-2974, outside the U.S. at 317-572-3993, or fax 317-572-4002. For technical support, please visit https://hub.wiley.com/community/support/dummies.
Wiley publishes in a variety of print and electronic formats and by print-on-demand. Some material included with standard print versions of this book may not be included in e-books or in print-on-demand. If this book refers to media such as a CD or DVD that is not included in the version you purchased, you may download this material at http://booksupport.wiley.com. For more information about Wiley products, visit www.wiley.com.
Library of Congress Control Number: 2021936959
ISBN 978-1-119-80543-4 (pbk); ISBN 978-1-119-80544-1 (ebk); ISBN 978-1-119-80545-8 (ebk)
Personal Finance in Your 20s & 30s For Dummies®
To view this book's Cheat Sheet, simply go to www.dummies.com and search for “Personal Finance in Your 20s & 30s For Dummies Cheat Sheet” in the Search box.
Table of Contents
Cover
Title Page
Copyright
Introduction
About This Book
Foolish Assumptions
Icons Used in This Book
Beyond the Book
Where to Go from Here
Part 1: Getting Started with Personal Finance
Chapter 1: Your Financial Checkup
Calculating Your Financial Worth
Grasping the Importance of Your Savings Rate
Understanding and Improving Your Credit Score
Comprehending Your Investment Options
Examining Insurance Coverage
Identifying Common Financial Mistakes Young Adults Make
Chapter 2: Budgeting, Goal Setting, and Valuing Saving
Developing a Savings Mindset
What It’s Worth: Valuing Savings over Time
Budgeting and Boosting Your Savings
Setting and Prioritizing Your Savings Goals
Saving When You’re Strapped
Chapter 3: Using Loans and Paying Down Debts
Eyeing the Causes of Generational Debt
Making the Most of Loans
Dealing With Student-Loan Debt
Paying Off Consumer Debt
Getting Help for Extreme Debt
Preventing Consumer Debt Relapses
Chapter 4: Everything Credit: Scores and Reports
A Primer on Credit Reports and Credit Scores
Getting Your Hands on Your Credit Reports and Scores
Scrutinizing Your Credit Reports to Improve Them
Preventing Identity Theft
Part 2: Saving and Earning More
Chapter 5: Proven Ways to Spend Less and Save More
Containing Housing Costs
Cutting Your Taxes
Managing Food and Restaurant Spending
Trimming Transportation Expenses
Finessing Fashion Finances
Relaxing on a Budget
Taming Technology Spending
Keeping Down Insurance Costs
Getting Affordable and Quality Professional Advice
Handling Healthcare Expenses
Chapter 6: Taxes: Reduce Them When You Can!
Understanding Taxable Income
Comparing Marginal Taxes
Changes from the Tax Cut and Jobs Act Bill
Reducing Taxes on Work Income
Increasing Your Deductions
Lowering Investment Income Taxes
Enlisting Education Tax Breaks
Preparing Your Tax Return and Minimizing Your Taxes
Chapter 7: Housing: Comparing Renting and Buying
The Ins and Outs of Renting
Figuring the Costs of Owning and Making It Happen Financially
Finding the Right Property
Working with Real-Estate Agents
Financing Your Home
Putting Your Deal Together
Chapter 8: Relationships and Money
Handling Roommates
Living-Together Contracts
Getting Married
Understanding Your Money Beliefs and Practices
Getting a Grip on Procrastination Where Money Is Concerned
Chapter 9: Making the Most of Your Career
Getting Your Career Going
Exploring Entrepreneurial Options
Changing Jobs or Careers
The Young and the Unemployed
Part 3: Investing for Your Future Goals
Chapter 10: Successful Investing Principles
Examining Bonds and Other Lending Investments
Exploring Stocks, Real Estate, and Small-Business Investments
Considering Options, Cryptocurrencies, and Other Hot Vehicles
Getting a Handle on Investment Risks
Spreading Your Investment Risks
Selecting an Investment Firm
Evaluating Pundits and Experts
Chapter 11: Making the Best Use of Bank Accounts
Looking at Different Types of Banks
Understanding Your Bank Account Options
Banking Online
Considering Your Alternatives
Chapter 12: Portfolios for a Purpose
Before You Begin Investing
Investing Nonretirement Account Money
Investing Retirement Account Money
Investing for Education
Chapter 13: Real-Estate Investing
Understanding Real-Estate Investment Pros and Cons
Evaluating Simpler Real-Estate Investments
Assessing Residential Housing Investments
Investing in Commercial Real Estate
Shunning Sure-to-Lose Real-Estate Investments
Researching Where and What to Buy
Digging for a Good Deal
Part 4: Insurance: Protect Yourself, Your Loved Ones, and Your Assets
Chapter 14: Taking Care with Health Insurance
Making Sure You’re Covered
Finding Your Best Health Plan
Shopping for Health Insurance
Health Savings Accounts: Tax Reduction for Healthcare Costs
Chapter 15: Safeguarding Your Income
Protecting Your Income for You and Yours: Disability Insurance
Protecting Your Income for Dependents: Life Insurance
Caring for Your Loved Ones: “Peace of Mind” Insurance
Chapter 16: Home, Auto, Renter’s, and Other Insurance Policies
Protecting Your Home and Possessions: Homeowner’s and Renter’s Insurance
Insuring Your Car
Avoiding Policies That Cover Small Possible Losses
Part 5: Your Information Diet
Chapter 17: Using Media Resources
Going Online: The Wild West of Advice and Predictions
Getting Financial Perspectives and Advice from the Media
Chapter 18: Professionals You Hire
Seeing the Value of Professional Advice
Considering Financial Advisors
Taming Your Taxes with Help
Working with Real-Estate Agents
Using Online Resources to Find Service Providers
Part 6: The Part of Tens
Chapter 19: Ten Ways to Save on a Car
Don’t Buy a Car in the First Place
Pay Cash: Shun Leasing and Borrowing
Consider Total Costs
Compare New with Used
Understand a Car’s Real Value Before Negotiating
Take Care of Your Car
Explore Your Servicing Options
Drive Safely
Take a Lean and Mean Insurance Policy
Track Tax-Deductible Auto Expenses
Chapter 20: Ten Things to Value More than Your Money
Investing in Your Health
Making and Keeping Friends
Appreciating What You Have
Minding Your Reputation
Continuing Education
Having Fun
Putting Your Family First
Knowing Your Neighbors
Volunteering and Donating
Caring for Kids
Chapter 21: Nearly Ten Things to Know about Apps
You May Well Get What You Paid for with “Free” Apps
Conduct and Manage Financial Tasks
Use Apps Only from Legitimate Companies with Lengthy Track Records
Consider the Alternatives to an App
Keep Focused on Your Spending
Settle up with Friends But Beware Fees
Save Money on Commonly Purchased Items
Tap into the Latest Economic and Financial Data
Invest with Confidence
Index
About the Author
Advertisement Page
Connect with Dummies
End User License Agreement
List of Tables
Chapter 1
TABLE 1-1 Your Savings Rate over the Past Year
Chapter 2
TABLE 2-1 Nest Egg Growth
Chapter 6
TABLE 6-1 2021 Federal Income Tax Rates for Singles and Married Households Filin...
TABLE 6-2 “Saver’s Tax Credit” for Retirement Plan Contributions
Chapter 7
TABLE 7-1 Monthly Renting versus Owning Comparison
TABLE 7-2 Your Monthly Mortgage Payment Multiplier
Chapter 12
TABLE 12-1 Allocating 401(k) Investments
Chapter 15
TABLE 15-1 Figuring Life Insurance Needs
List of Illustrations
Chapter 4
FIGURE 4-1: Credit scores show the probability of defaulting on a loan.
Chapter 9
FIGURE 9-1: More education translates into lower unemployment rates and higher ...
Chapter 11
FIGURE 11-1: Sample Truth in Savings Disclosure for a bank’s savings account.
Chapter 21
FIGURE 21-1: GasBuddy can help you save money on gas.
FIGURE 21-2: The FRED app puts financial data at your fingertips.
Guide
Cover
Title Page
Copyright
Table of Contents
Begin Reading
Index
About the Author
Pages
i
ii
iii
iv
vii
viii
1
2
3
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
167
168
169
170
171
172
173
174
175
177
178
179
180
181
182
183
184
185
186
187
188
189
190
191
193
194
195
196
197
198
199
200
201
202
203
204
205
206
207
209
210
211
212
213
214
215
216
217
218
219
220
221
222
223
224
225
226
227
228
229
230
231
232
233
234
235
236
237
238
239
240
241
242
243
244
245
246
247
248
249
250
251
252
253
254
255
256
257
258
259
261
262
263
264
265
266
267
268
269
270
271
273
274
275
276
277
278
279
280
281
282
283
284
285
286
287
288
289
290
291
292
293
294
295
296
297
298
299
300
301
302
303
304
305
306
307
308
309
310
311
312
313
Introduction
Your 20s and 30s are such an exciting time. During this period you’re experiencing some dramatic changes in your life, exploring new endeavors, making your way in the world, trying new things, and meeting new people, while hopefully staying in touch with old friends and your family.
But as with anything else in life, your young-adult years can pose challenges as well. Some young people suffered layoffs and reduced employment incomes during the 2008 financial crisis and its aftermath and then again with the 2020 COVID-19 pandemic. Maybe you’ve experienced a failed relationship and a broken heart. You’ve likely had to deal with a difficult boss (or two) or a job (or two) you don’t like — or perhaps you’re in danger of losing your job.
And then there are the money issues. Most of you are out of the nest and out from under your parents’ wings, and your 20s are when you experience firsthand earning your own money and paying your own expenses. This isn’t true for all twenty-somethings, of course, because some young people still live at home or have some financial dependence on their folks — maybe that’s why they bought you this book! No matter your living situation, your young adult years can be a challenging time, but this friendly guide can help make those years smoother and more rewarding financially.
About This Book
Based on my experiences teaching courses, counseling clients, writing articles and books, and corresponding with friends, family, and people through my website, I’ve discovered how important having healthy and strong personal finances is. With that in mind, I wrote this book to help you begin to lay a strong financial foundation. Your early adult years are the best time to start.
I’ve worked with and taught people from all financial situations, so I know the financial concerns and questions of real folks just like you. Believe it or not, I first became interested in money matters when, as a middle-school student, my father was laid off and received some retirement money. I worked with my dad as he made investing decisions with the money. A couple of years later, I won my high school’s science fair with a project on what influences the stock market.
In my 20s, I worked hard to keep my living expenses low and save money so I could leave my job and pursue my entrepreneurial ideas. I accomplished that goal in my late 20s. My goal in writing this book is to give you lots of tools and information to help you get your personal finances in order so you, too, can achieve your goals and dreams.
I also wrote this book to protect you, to watch your back. Hucksters out to separate you from your hard-earned money know an easy mark when they see one, and being young and, therefore, less experienced makes you a target. You’re also at increased risk of “being taken” because your generation spends so much time online where the rules and agenda of many sites and apps are murky or worse. The information and advice in this book can help you identify and steer around common pitfalls and bad deals before you suffer the consequences.
Foolish Assumptions
No matter what your current situation is — whether you’re entering the job market right after school, graduating college with or without student loans, living with your parents, or living on your own — I thought of you as I wrote this book. I made some assumptions about you:
You want expert advice about important financial topics — such as getting a financial checkup, budgeting, paying off some debt, boosting your credit score, and investing — and you want answers quickly.
Or perhaps you want a crash course in personal finance and are looking for a book you can read cover to cover to help solidify major financial concepts and get you thinking about your finances in a holistic fashion.
Or maybe you’re just tired of feeling financially frazzled and want to get better organized and on top of your money matters.
This book is basic enough to help a novice get his or her arms around thorny financial issues. But readers who are a bit more advanced in financial matters will be challenged, as well, to think about their finances in a new way and identify areas for improvement.
Icons Used in This Book
The icons in this book help you find information you need:
This target flags strategy recommendations for making the most of your money.
This icon points out information that you definitely want to remember.
This icon marks things to avoid and points out common mistakes people make when managing their finances.
This icon tells you when you should consider doing some additional research. Don’t worry — I explain what to look for and what to look out for.
Beyond the Book
To view this book’s Cheat Sheet, simply go to www.dummies.com and enter “Personal Finance in Your 20s and 30s For Dummies Cheat Sheet” in the Search box. There you’ll get quick tips on understanding financial basics, managing day-to-day finances, and growing your money through basic investing.
Where to Go from Here
This book is organized so you can go wherever you want to find complete information. Want advice on minimizing your taxes, for example? Go to Part 2 for that. You can use the table of contents to find broad categories of information or the index to look up more specific topics.
If you’re not sure where to go, you may want to start with Part 1. It gives you all the basic info you need to assess your financial situation and points to places where you can find more detailed information for improving it.
Part 1
Getting Started with Personal Finance
IN THIS PART …
Evaluate your net worth, savings rate, credit health, investment portfolio, and insurance coverage.
Develop a savings mindset, as well as budgeting and saving strategies.
Conquer consumer debt and recognize the best uses for loans and the types of debt to avoid.
Get and understand your credit report and credit score. Use your credit report and other tools to prevent identity theft.
Chapter 2
Budgeting, Goal Setting, and Valuing Saving
IN THIS CHAPTER
Getting in the savings mindset
Quantifying the impact of long-term saving
Budgeting and goal setting
Prioritizing your financial goals
Unless you’re the offspring of wealthy parents or grandparents who have left you a sizable sum of money, you need to save money to accomplish your personal and financial goals. Early in your working years, saving money can be a challenge, of course, especially since you’re likely not earning a super-high income.
When you’re first starting out, your salary is probably somewhat low, and after fixed expenses (such as rent/mortgage, food, insurance, cell-phone service, and other payments that you can’t easily get rid of), you may not have much money left for “fun” discretionary spending, let alone additional savings. Remember, though, that when it comes to building wealth, it doesn’t matter what you make — it’s what you spend and, therefore, are able to save. Many wealthy people didn’t get rich based exclusively on their big salaries, but through disciplined savings and wise investing over time.
In this chapter, I discuss smart budgeting strategies and the tremendous and surprising long-term value that comes from regular saving and investing.
Developing a Savings Mindset
People typically learn their financial habits, both good and not so good, at a young age. During childhood, most people are exposed to messages and lessons about money, both at home with their parents and siblings and also in the world at large, such as at school; with their friends; and through society and media, including social media. In fact, social media presents a challenge to the savings mindset and has taken center stage in marketing to young adults on ways to spend their money.
The expression “You can’t teach an old dog new tricks” has some validity, at least for our four-legged friends, but even then, the expression actually requires some modification to be accurate. It should be, “It’s hard to teach an old dog new tricks, but how hard it is depends on the dog.”
My experiences have shown me the same to be true for people and their financial habits and decision making. For most people, spending money is easier and more enjoyable than earning and saving it. Of course, you can and should spend money, but there’s a world of difference between spending money carelessly and spending money wisely.
I show you how to save money, even if you haven’t been a good saver before. And even if you do think you’re pretty good at saving, I have some tips and tricks so you can get even better at saving more and spending less:
Live within your means.
