1. Plan Ahead – You’re not old yet, but you will be someday, and when that day comes you want to be prepared! Start saving for retirement now! Especially if you’re self employed!! This is one of those things that’s easy to push off but the gains from starting early are impossible to ignore!⠀⠀⠀⠀⠀⠀⠀⠀⠀
2. Build your savings! You should treat your savings account the same as your taxes. Monthly savings should be taken out the same way you take out money for taxes. The easiest way to do this is to set up an automatic transfer from your checking account to your savings! That way you don’t even have to think about it.⠀⠀⠀⠀⠀⠀⠀⠀⠀
3. Debt will Kill you! Get ahead of it now. Take some time to sit down assess the damage and lay out a game plan. What percentage of your income can you dedicate to debt payments? You may have to make some lifestyle adjustments but trust me it’s worth it! You will never make real money until you settle your debt – This is a priority!
I know this may sound stressful and overwhelming but I promise you it’s not! Soooooo, sit down, and make a plan! Lay out a monthly budget that includes debt payments, savings, and retirement. And stick with it! If you need help, DM me! I’m here as your free resource, so use me! ?