10 Things About Money I Wish I'd Known 10 Years Ago


  1. I’m loving these posts, Molly! My husband and I are just now starting our journey to become debt free (after having finished graduate school, I just now realized HOW MUCH I have in student loans, and it’s beyond overwhelming). We’re really trying to figure out this whole budgeting thing…and it’s so scary but a little exciting too!

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  3. I love this, almost as much as I love you! Don’t you wish we could go back and give our college selves a real good shaking?? Paying off the sins of college, still-6 years later, all on a teacher’s salary. Because of it, I can’t have the things I want now, like the ability to buy a house. Sigh. Want to be my financial advisor?? I kid…sort of. 🙂

  4. Oh, and I also agree with Brianne’s point below about being choosy about the credit card you get. I use Discover and by paying my balance off every month I make money by collecting points I can use to get cash back points for gift cards. They also provide a free online credit report just for having the card and a spending analysis so you can see where your money goes. This sounds like an ad, but it’s not. I just wanted to share some ways that you can potentially benefit from your credit card if you’re very careful and pay off the balance every time that it’s due.

  5. Really good advice! The only thing I might consider is the point about buying a new car vs a used car. You can actually get some pretty fantastic discounts and deals on new cars nowadays, 0% interest if you have good credit, and a built-in 100,000 mile warranty. (I recently purchased new and received these things, plus the dealer gave me a ridiculously good deal on my trade-in.) Then you don’t have to worry about the car breaking down since it’s new and has a good warranty, which could cost you a lot in the end. But I guess everyone has to think about what is right for them. I am interested to see what you have to say about this topic. 🙂

    1. thanks for reading and for your input, Ky!! I’m really speaking on paying cash for a car… even with a 0% interest rate, it just isn’t beneficial to have a car payment. and you’d be surprised how many dealerships offer GREAT warranties these days on used cars. the last used car i bought has 100,000 mile warranty and another 10 year extended warranty on major parts… and it had 64K miles on it when i bought it! 🙂 but TOTALLY.. everyone needs to do what is really best for them!

      1. Wow, that’s an awesome warranty for a used car! Thanks for the response, Molly! You are for sure one of my favorite bloggers, so nice and down to earth.

  6. I agree with a lot of these, but have a different approach to others. My biggest thought though is, YES, definitely get a credit card. Be mindful of the interest rate and be choosy, don’t just take anything that comes pre-approved in the mail. But when you have the credit card, REGULARLY ask for a credit limit increase. Part of your credit score is calculated by the credit utilization ratio, so that means you want to be using very little of your available credit. The ratio gets better if you have more credit actually available, so bump it up at every chance you get (so long as they don’t have to pull a hard report). On that note, I’m also not against having more than one card. It just adds more to the available credit pot so long as you’re carefully managing what you’re putting on it.

    1. yeah i definitely agree! it’s just one of those things i have to be really careful about when I tell people what they should or should not do… the fact is, A LOT of people just do not know how to manage a credit card properly by paying off the balance every month… and so it’s a slippery slope for some people, you know?

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