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Spending Tip

Whether you buy using a check or a debit card, record your purchase in your checkbook register at the time of the purchase. That way, your records will be accurate.

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A good chunk of this site is devoted to earning, budgeting and saving your money. But as you well know, spending is the other—more enjoyable—thing we all do with our hard-earned income. When you’re in your teens and early twenties, it’s easy to live check to check, buying what you want and going where you want to go.

Sorry to say that now that you’re growing up, it’s time to take a different approach to your spending habits. It’s time to pay more attention to what you’re spending, how you’re spending it and how it’s all affecting you.

Ways to spend:

While the first four ways to spend are simple concepts with no financial land mines waiting for you, credit cards can be an accident waiting to happen. Stop that from happening by reading these credit card sections: