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Skip The Retail Therapy and Relax Without Spending Money

Posted by Tae Haahr on Mar 20th, 2019 · 0 Comment

Honestly, how often have you had one of those moments where you though I deserve this as you were standing in front of a highly over-priced bag eyeing it because you needed a little pick me up? I am all to familiar with that feeling, it’s the main reason why I have a whole shelf full of books with pretty covers that I’ve never read. It’s easy to use “retail therapy” as a method of relaxation....
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Here are some simple guidelines that will help you build wealth:

1) Do the math. Get a budget and calculate your net worth

2) Get an emergency fund. Save at least 6 months worth of expenses

3) Limit costs. Spend no more than 30% of your income on housing

4) Max your retirement. Maximize contributions to your tax-deferred retirement accounts

5) Pay yourself first. Set aside money for yourself before you take care of your other bills

6) Set goals. Goal let you get ahead faster

7) Avoid high interest debt. Avoid credit cards, title loans and other usurious loans

8) Diversify. Diversity your assets.

Skip The Retail Therapy and Relax Without Spending Money

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Critical Financials’ Basic Personal Finance Rules

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