Rule 1: Credit card minimums are not your friend
I mindlessly spent money on credit and only paid the minimum that was asked of me. A couple of years later, those balances were essentially the same, while my bills and other responsibilities started to pile up.
As the wise Albert Einstein said,"Compound interest is the eighth wonder of the world. He who understands it, earns it. He who doesn't, pays it."3. You don't have to go into debt to build credit Once I started sticking to a budget, I was able to pay off my debt and start saving money for the things that mattered to me. I used the, making sure every dollar I earned had a particular"job." Using a zero-based budget helped me put more towards my debt — money I would have otherwise wasted on non-essential spending.To my 20-year-old self: MAKE A BUDGET ... NOW!The great thing about being in your 20s is that you have a gift that only comes around once: time.
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