1. Track expenses

This can be a little time consuming but it is a game changer. Writing down in a notebook or your phone every single purchase you make will allow you to see where your money goes and will make you notice where you are overspending.


2. Listen to financial podcasts

Here are some you might want to take a look at:

-Money Girl’s Quick and Dirty Tips for a Richer Life

-Optimal Finance Daily


3. Read finance books

I know this sounds boring but these are someto start with that are easy to understand :

-Live it, Love it, Earn it – Marianna Olszewski

-You Are a Badass at Making Money – Jen Sincero

-Pogue’s Basics: Money – David Pogue


4. Read personal finance blogs

Here are some popular ones I have been meaning to look at:




But research and find the ones you like best!


5. Find the deals

I LOVE a good deal. Whether it’s a coupon, a Groupon deal or credit card points I am ALL for it. It is important to be smart about your finances and I don’t understand why there can sometimes be a negative view on using resources such as coupons or going for a drink during happy hour. Here are some ideas to save some money:


-Deals from websites like Groupon

-Going to a restaurant for happy hour or ladies night

-Subscribing to brands’ loyalty programs

-Pick a credit card with good rewards (Cashback or points)

-Buy second hand

-Use a cashback website like Ebates

-Buy on sale


6. Get the best insurance

Some people might not get insurance because it is an added expense and they don’t think they will need it but it is IMPERATIVE that you get the best insurance if you don’t want to end up with a lot of debt. There are some obvious types of insurance that most people get but there are some others that you might not even know exist. Here are the types of insurance you should make sure you have:

-Home/renter insurance

-Car insurance

-Travel insurance

-Health insurance

-Life insurance

-Credit card insurance

-Disability insurance


7. Set financial goals

It is important for you to set financial goals for yourself. Know what is important for you to have in your life and set up a savings plan to buy it.


8. Make a budget

This is an obvious one but unfortunately, not everyone has a budget. Even if you have a small income and not a lot of expenses, a budget will keep you on track. But a budget is mostly useful when you have a lot of bills to pay and multiple streams of income. It will help you achieve your financial goals a lot easier and faster.


9. Keep an eye on your credit card score

Credit scores determine whether you can get a loan for big purchases or apply for payment plans. You should be aware of what a good credit score is and what yours is. Some banks allow you to look at your credit score through online banking without it affecting your score. Call your bank and see if that is the case for you. If you’re credit score is not ideal, look into ways to improve it.


10. Keep an eye of your accounts

Many people do not keep track of how much money they have in their account because they know it is not what they want it to be. The issue is that they use the excuse of “I didn’t know I had so little money” as an excuse for ending up broke. As they say, “knowledge is power” and in this particular situation knowing your account balances gives you the power to make the right decisions in regards to your finances.


11. Get new income streams

Whether it’s selling the things in your house you don’t use anymore or freelancing on the side, it’s important you have multiple streams of income. This will allow you to save more money and have something to fall on in the eventuality that one of them fails.


12. Plan for retirement

I’m all about living in the moment but I’m also all about planning for the future. You are never too young to start planning for retirement because the earlier you start, the more you end up with once you get there.