{"id":15036,"date":"2022-04-30T14:40:00","date_gmt":"2022-04-30T19:40:00","guid":{"rendered":"https:\/\/blog.eztaxreturn.com\/?p=15036"},"modified":"2023-05-23T21:18:28","modified_gmt":"2023-05-24T02:18:28","slug":"9-rules-for-kick-starting-your-financial-life","status":"publish","type":"post","link":"https:\/\/staging.eztaxreturn.com\/blog\/9-rules-for-kick-starting-your-financial-life\/","title":{"rendered":"9 Rules for Kick-Starting Your Financial Life"},"content":{"rendered":"<p>Nobody is perfect.\u00a0 Sometimes we drop the ball when it comes to our finances.\u00a0 Maybe you haven\u2019t checked your credit score in years or occasionally pay bills late.\u00a0 We\u2019re not saying that either one is acceptable, but it happens.\u00a0 What\u2019s more important is that you don\u2019t make the same mistakes again.\u00a0 Here\u2019s how to hit the reset button and get your finances in order.<\/p>\n<p>\u00a0<\/p>\n<h2><strong>Save as much as you can<br \/><\/strong><\/h2>\n<p>Once you reach adulthood, you\u2019re responsible for taking care of yourself.\u00a0 So you need to find ways to make and save money.\u00a0 Emphasis on the word &#8220;save&#8221;.\u00a0 There&#8217;s always going to be some item you want to buy or a place you want to go, but saving has to take precedence over everything.\u00a0 We can&#8217;t stress enough how important it is to pay yourself first.\u00a0 You and your bank\u2019s auto-save feature need to become best friends.\u00a0 By automating the process, you&#8217;ll start saving money regularly instead of making excuses.\u00a0 Like it or not, that money is going to be transferred on the days you specified (unless you cancel it, of course).<\/p>\n<p>\u00a0<\/p>\n<h2><strong>Watch your spending<\/strong><\/h2>\n<p>Take a wild guess what happens when you spend more money than you make?\u00a0 Obviously, you wind up in debt.\u00a0 Therefore, everyone needs to create and stick to a financial plan.\u00a0 Contrary to popular belief, you can still go out and do the things you love while being on a budget.\u00a0 You just need to find a way to make it all work.\u00a0 The 50-20-30 rule strikes a good balance between business and pleasure.\u00a0 The breakdown is as follows:<\/p>\n<ul>\n<li>50% of your income will go towards essentials (food, housing, utilities and transportation)<\/li>\n<li>20% of your pay goes towards savings (long and short-term goals including debt repayment)<\/li>\n<li>30% of your money goes towards fun stuff (salon visits, your cell phone bill, entertainment, etc.)<\/li>\n<\/ul>\n<p>To make sure you stay within your means, use a notebook or budgeting app to track your expenses.<\/p>\n<p>\u00a0<\/p>\n<h2><strong>Pay your bills on time<\/strong><\/h2>\n<p>Nearly two out of five millennial women don\u2019t pay their bills on time.\u00a0 If your memory isn\u2019t the best, setup bill payment reminders so the important things no longer slip your mind.\u00a0 Otherwise, you risk accumulating late fees and penalties.<\/p>\n<p>\u00a0<\/p>\n<h2><strong>Eliminate debt<\/strong><\/h2>\n<p>Sixty-one percent of Americans have dealt with credit card debt in the past 12 months.\u00a0 When you\u2019re trying to get out of the red, throwing a few dollars at the bill just isn\u2019t going to cut it.\u00a0 You really need to come up with a plan and give it your all.\u00a0 For starters, don\u2019t even think about using the card anymore.\u00a0 You\u2019re on time out until you get things under control.\u00a0 Stick to using cash only.\u00a0 Next, cut your budget down to the bare necessities so you have more money to pay down your debt.\u00a0 Also consider getting a second job and putting your entire earnings towards the bill.\u00a0 Once you know where the money is coming from, start paying off the card with the highest interest rate first.<\/p>\n<p>\u00a0<\/p>\n<h2><strong>Keep your housing costs low<br \/><\/strong><\/h2>\n<p>Some people make it seem like you\u2019re a loser if you stay with your parents past a certain age.\u00a0 But you\u2019re not.\u00a0 Don\u2019t take on more than you can handle just because it\u2019s what your friends are doing.\u00a0 If you really need your own place, spend no more than one-third of your income on housing.\u00a0 Depending on where you live, your only options may be getting a studio apartment or a roommate.\u00a0 The latter gives you less privacy but you\u2019ll still have more freedom than if you stayed with your parents.<\/p>\n<p>\u00a0<\/p>\n<h2><strong>Learn how credit works<br \/><\/strong><\/h2>\n<p>Having good credit allows you to secure a loan at the best interest rate.\u00a0 The lower the rate, the less your loan will cost you over time.\u00a0 Unfortunately, one in three millennials aren&#8217;t even sure how credit scores are calculated.\u00a0 So let&#8217;s shed some light on the situation.\u00a0 Your credit score is determined by five factors which are:<\/p>\n<ul>\n<li>35% &#8211; Payment history<\/li>\n<li>30% \u2013 Amounts owed<\/li>\n<li>15% &#8211; Length of credit history<\/li>\n<li>10% &#8211; Credit mix<\/li>\n<li>10% &#8211; New credit<\/li>\n<\/ul>\n<p>Creditors use this information to assess your level of risk.\u00a0 They want to make sure that every penny you borrow will be paid back.\u00a0 Think about it, we all know someone we\u2019d never lend money to.\u00a0 Despite their promises to pay you back, you know once the money leaves your hands, it\u2019s gone forever.\u00a0 That\u2019s exactly what creditors are trying to avoid.\u00a0 Always pay your bills on-time and in full to ensure your credit score doesn\u2019t suffer.\u00a0 You also need to check your credit report annually to catch mistakes before they cause too much damage.<\/p>\n<p>\u00a0<\/p>\n<h2><strong>Get your full 401(k) match<\/strong><\/h2>\n<p>If you work for a company that offers to match your 401(k) contributions, you better take advantage while you can.\u00a0 It\u2019s free money.\u00a0 Contribute however much it takes to receive the full company match.\u00a0 There are a couple different matching options you\u2019ll come across.\u00a0 Some employers match a percentage of your contributions up a certain limit.\u00a0 For example, they&#8217;ll match 50% of your contributions up to 6% of your salary.\u00a0 Meanwhile others match dollar for dollar until you hit a specified limit.\u00a0 Either way, make sure to contribute enough to your 401(k) so you don&#8217;t leave money on the table.\u00a0 Again, it&#8217;s free money.<\/p>\n<p>\u00a0<\/p>\n<h2><strong>Stop comparing yourself to others<\/strong><\/h2>\n<p>A lot of what you see on social media is a facade.\u00a0 That girl with the flawless, glowing skin?\u00a0 It\u2019s probably nothing more than Facetune.\u00a0 That cool guy who\u2019s been to 6 countries in the last three months?\u00a0 He might be a scammer.\u00a0 The truth is you don\u2019t know their real situation and there\u2019s a good chance you never will.\u00a0 Don\u2019t drive yourself crazy or into debt trying to gain the approval of others.\u00a0 A few \u201clikes\u201d and \u201cfollows\u201d isn\u2019t worth sacrificing your financial future.<\/p>\n<p>\u00a0<\/p>\n<h2><strong>Familiarize yourself with these financial rules of thumb<\/strong><\/h2>\n<ul>\n<li>20\/4\/10 rule \u2013 Put 20 percent down on a car and finance the rest for no more than four years. Make sure the associated costs (monthly payment, gas and maintenance) are less than 10 percent of your income.<\/li>\n<li>10-year rule \u2013 Keep your car for at least 10 years so you get all the value out of it.<\/li>\n<li>Retirement \u2013 Save at least 15% of your pretax income including your company match.<\/li>\n<li>Student loans \u2013 Don\u2019t borrow more than you expect to earn your first year after graduation.<\/li>\n<li>Stocks vs. bonds \u2013 Your age is the percentage of your portfolio that needs to be invested in bonds. The rest goes into stocks.<\/li>\n<li>Emergency fund \u2013 Save at least six months\u2019 worth of living expenses.<\/li>\n<li>Mortgage \u2013 Spend no more than 2.5 years\u2019 worth of your gross income on a house.<\/li>\n<li>Life insurance &#8211; Policy needs to be at least 10 times your annual salary.<\/li>\n<\/ul>\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\" id=\"h-are-you-ready-to-file-your-taxes-online\"><strong>Are you ready to file your taxes online?<\/strong><\/h2>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-fe48e5de wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-font-size has-medium-font-size\"><a class=\"wp-block-button__link has-white-color has-luminous-vivid-orange-background-color has-text-color has-background wp-element-button\" href=\"https:\/\/www.eztaxreturn.com\/ezrouter.html?action=start_return&amp;utm_source=blog&amp;utm_medium=blog&amp;utm_term=kickstartfinlife&amp;gid=kickstartfinlife\" target=\"_blank\" rel=\"noreferrer noopener\">Start for FREE!<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Nobody is perfect.\u00a0 Sometimes we drop the ball when it comes to our finances.\u00a0 Maybe you haven\u2019t checked your credit score in years or occasionally pay bills late.\u00a0 We\u2019re not saying that either one is acceptable, but it happens.\u00a0 What\u2019s more important is that you don\u2019t make the same mistakes again.\u00a0 Here\u2019s how to hit [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":15053,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[9],"tags":[],"class_list":["post-15036","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-finance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.13 (Yoast SEO v20.13) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>9 Rules for Kick-Starting Your Financial Life<\/title>\n<meta name=\"description\" content=\"Nobody is perfect. 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