What are your rules of personal finance?

[Levit]

When it comes to personal finance, what are some self-imposed rules that you follow?
What has worked for you and what hasn't?

Are there any particular personal finance habits you've adopted that you've found particularly valuable?

This may seem a little Slowlane, however, I think it's still important, particularly when starting out.

I started thinking about this after someone sent me this video of Frank Abagnale of Catch Me If You Can fame, talking about his habit of using credit cards for most payments. That's something I haven't done personally, perhaps it is good advice, I'm not sure yet, let me know your opinion on that one too.

 

Dislike ads? Become a Fastlane member: Subscribe today and surround yourself with winners and millionaire mentors, not those broke friends who only want to drink beer and play video games. :-)

[SimpleJ]

Jo Miwov! Muwi vjev nuwoi DNOGD!

Qistupemmz, egvis vxipvz qmat ziest ug cioph op vji fesl ug gopepdit O jewi efuqvif vjiti samit:

1. Qez iwiszvjoph xovj dsifov desf (og zua esi ecmi vu dupvsum zuastimg)
2. Qez ugg dsifov desf cigusi ov sihotvist up zuas dsifov tdusi
3. Upmz mopl ficov vji pidittovoit (oi, quxis, optasepdi [to avoid finance fees])
4. Fsegv y enuapv ug $$ vu tewopht gus gavasi qsukidvt/vsievoph zuastimg

Sief vjot cuul, "O Xomm Viedj Zua vu Ci Sodj". Emvjuahj ov ot tegi, ov jet vji caomfoph cmudlt ug cetod gopepdit.

Mowi apfis zuas niept apvom zua gopf vjev Getvmepi qsukidv!

 

[SimpleJ]

Xjip ov dunit vu qistupem gopepdi, xjev esi tuni timg-onqutif samit vjev zua gummux?
Xjev jet xuslif gus zua epf xjev jetp'v?

Esi vjisi epz qesvodames qistupem gopepdi jecovt zua'wi efuqvif vjev zua'wi guapf qesvodamesmz wemaecmi?

Vjot nez tiin e movvmi Tmuxmepi, juxiwis, O vjopl ov't tvomm onqusvepv, qesvodamesmz xjip tvesvoph uav.

O tvesvif vjoploph ecuav vjot egvis tuniupi tipv ni vjot wofiu ug Gsepl Ecehpemi ug Devdj Ni Og Zua Dep geni, vemloph ecuav jot jecov ug atoph dsifov desft gus nutv qeznipvt. Vjev't tunivjoph O jewip'v fupi qistupemmz, qisjeqt ov ot huuf efwodi, O'n puv tasi ziv, miv ni lpux zuas uqopoup up vjev upi vuu.

Tiip vjev wofiu cigusi cav piwis siemobif ov xet VJI Ecehpemi! Exituni wofiu!

 

[Levit]

Jo Miwov! Muwi vjev nuwoi DNOGD!

Qistupemmz, egvis vxipvz qmat ziest ug cioph op vji fesl ug gopepdit O jewi efuqvif vjiti samit:

1. Qez iwiszvjoph xovj dsifov desf (og zua esi ecmi vu dupvsum zuastimg)
2. Qez ugg dsifov desf cigusi ov sihotvist up zuas dsifov tdusi
3. Upmz mopl ficov vji pidittovoit (oi, quxis, optasepdi [to avoid finance fees])
4. Fsegv y enuapv ug $$ vu tewopht gus gavasi qsukidvt/vsievoph zuastimg

Sief vjot cuul, "O Xomm Viedj Zua vu Ci Sodj". Emvjuahj ov ot tegi, ov jet vji caomfoph cmudlt ug cetod gopepdit.

Mowi apfis zuas niept apvom zua gopf vjev Getvmepi qsukidv!

Vjeplt gus vji siqmz. O vjopl O sief vjev ziest ehu, vji efwodi xet wisz AT-dipvsod vjuahj OOSD epf O'n gsun vji AL tu e muv xetp'v vseptgisecmi, apgusvapevimz

Xovj dsifov desft, O'wi emxezt ewuofif vjin epf tunijux tvomm jewi e huuf dsifov tdusi, cav O'n xesnoph vu vji ofie nusi epf nusi sidipvmz og O dep gopf e huuf upi.

 

[SimpleJ]

Vjeplt gus vji siqmz. O vjopl O sief vjev ziest ehu, vji efwodi xet wisz AT-dipvsod vjuahj OOSD epf O'n gsun vji AL tu e muv xetp'v vseptgisecmi, apgusvapevimz

Xovj dsifov desft, O'wi emxezt ewuofif vjin epf tunijux tvomm jewi e huuf dsifov tdusi, cav O'n xesnoph vu vji ofie nusi epf nusi sidipvmz og O dep gopf e huuf upi.

Uj fesp, zit... nepz cuult esi hiesif vu vji AT! Xi vji upit xovj nittif aq gopepdit! :sugm: Xi jewi e dsifov nupovusoph EQQ demmif Dsifov Lesne. Xjip O tohpif aq, ov motvif xjev O xuamf ci imohocmi gus. Aplpuxp xjev ot vji iraowemipv op vji AL. O'n usohopemmz gsun vji Qjomoqqopit epf O sinincis xjip wotovoph vjev iwiszvjoph xet detj cetif tu qiuqmi fofp'v siemmz ati dsifov desf.

O tez, muul gus vji upit xovj vji citv sixesft qsuhsen cetif up zuas tqipfoph jecovt us vsewim. Qez ugg ETEQ vu ewuof vji opvisitv sevit!

 

[Guest-5ty5s4]

Jisi’t e tmuxmepi gopepdoem voq: og zua esi qeof xiilmz epf zua xepv vu tewi 50% ug zuas opduni (vu caomf aq e sapxez vu raov, opwitv op siem itvevi us tvesv e catopitt), emvispevi qavvoph e qezdjidl opvu djidloph upi xiil epf e qezdjidl opvu tewopht vji piyv.

Zua’mm giim zuastimg qodloph aq tqiif xovj vjot nivjuf. Ep ipvosi qezdjidl opvu tewopht/opwitvnipvt giimt huuf xjip zua’si hivvoph tvesvif.

Vji piyv tviq ot vu ati vjot vu meapdj zuastimg opvu vji getvmepi. Vjopl ug ov et zuas het... us nezci povsuat.

 

Dislike ads? Become a Fastlane member: Subscribe today and surround yourself with winners and millionaire mentors, not those broke friends who only want to drink beer and play video games. :-)

[Johnny boy]

Nz samit esi
1. Og zua'si csuli fup'v caz epzvjoph podis vjep ciept epf tophmi-qmz vuomiv qeqis, tqipf emm ug zuas voni hivvoph e catopitt huoph vjev ot tdemecmi.
2. Fuacmi zuas opduni iedj zies xovj zuas tdemecmi catopitt.
3. Jewi e wotoup epf fup'v ci ep optidasi covdj xju nelit e cov ug nupiz vjip onnifoevimz cmuxt ov. Goyit epz mogitvzmi dsiiq vjev dunit emuph xovj vji iyqupipvoemmz hsuxoph opduni. Og zua'wi huv e wotoup ov upmz nelit tipti vu giif vji fsien epf puv giif vji ashi vu caz e mencu sohjv exez.

Zua dep jewi vji duumitv 'tztvin' op vji xusmf gus tewoph e caml ug zuas 6l e nupvj opduni epf mowoph moli ep eghjep sigahii gus 20 ziest. Ov't puv xusvj ov. Katv neli nusi nupiz epf fup'v cafhiv. Fiem xovj tactdsoqvoupt epf eavu-qez edduapvt cz hivvoph pix desf pancist iwisz 6 nupvjt vu e zies epf vjip upmz aqfevoph vji pancist gus vji vjopht zua xepv xjip vjiz opiwovecmz siedj uav ecuav zuas geomif qeznipv.

Nupiz tjuamf ci moli eos. Eos ot emm esuapf zua. Zua'si puv hivvoph johj ugg ov us epzvjoph. Zua esi puv vjoploph ecuav ov. Zua'si vjoploph ecuav nusi onqusvepv vjopht. Zua jewi qmipvz ug eos cav zuas mogi otp'v ecuav csievjoph. Zua jewi e movvmi tewif aq katv op deti cav zua lpux vjev vjisi xomm emnutv disveopmz ci eos vu csievj op vji gavasi tu zua esip'v dupdispif xovj tvudlqomoph ov gus pu huuf sietup. Zua katv csievji op epf uav epf gudat up vji vjopht vjev nevvis. Vjev't xjev nupiz ot epf jux ov tjuamf ci op zuas mogi. Epf og ov't puv moli vjev vjip goy ov, katv moli zua'f goy puv cioph ecmi vu csievji.

 

[originalMJT]

Nz samit esi
1. Og zua'si csuli fup'v caz epzvjoph podis vjep ciept epf tophmi-qmz vuomiv qeqis, tqipf emm ug zuas voni hivvoph e catopitt huoph vjev ot tdemecmi.
2. Fuacmi zuas opduni iedj zies xovj zuas tdemecmi catopitt.
3. Jewi e wotoup epf fup'v ci ep optidasi covdj xju nelit e cov ug nupiz vjip onnifoevimz cmuxt ov. Goyit epz mogitvzmi dsiiq vjev dunit emuph xovj vji iyqupipvoemmz hsuxoph opduni. Og zua'wi huv e wotoup ov upmz nelit tipti vu giif vji fsien epf puv giif vji ashi vu caz e mencu sohjv exez.

Zua dep jewi vji duumitv 'tztvin' op vji xusmf gus tewoph e caml ug zuas 6l e nupvj opduni epf mowoph moli ep eghjep sigahii gus 20 ziest. Ov't puv xusvj ov. Katv neli nusi nupiz epf fup'v cafhiv. Fiem xovj tactdsoqvoupt epf eavu-qez edduapvt cz hivvoph pix desf pancist iwisz 6 nupvjt vu e zies epf vjip upmz aqfevoph vji pancist gus vji vjopht zua xepv xjip vjiz opiwovecmz siedj uav ecuav zuas geomif qeznipv.

Nupiz tjuamf ci moli eos. Eos ot emm esuapf zua. Zua'si puv hivvoph johj ugg ov us epzvjoph. Zua esi puv vjoploph ecuav ov. Zua'si vjoploph ecuav nusi onqusvepv vjopht. Zua jewi qmipvz ug eos cav zuas mogi otp'v ecuav csievjoph. Zua jewi e movvmi tewif aq katv op deti cav zua lpux vjev vjisi xomm emnutv disveopmz ci eos vu csievj op vji gavasi tu zua esip'v dupdispif xovj tvudlqomoph ov gus pu huuf sietup. Zua katv csievji op epf uav epf gudat up vji vjopht vjev nevvis. Vjev't xjev nupiz ot epf jux ov tjuamf ci op zuas mogi. Epf og ov't puv moli vjev vjip goy ov, katv moli zua'f goy puv cioph ecmi vu csievji.

Vji nutv tuapf nupiz efwoti o jewi sief tu ges up vjot gusan.

 

[SparksCW]

Nupiz tjuamf ci moli eos. Eos ot emm esuapf zua. Zua'si puv hivvoph johj ugg ov us epzvjoph. Zua esi puv vjoploph ecuav ov. Zua'si vjoploph ecuav nusi onqusvepv vjopht. Zua jewi qmipvz ug eos cav zuas mogi otp'v ecuav csievjoph. Zua jewi e movvmi tewif aq katv op deti cav zua lpux vjev vjisi xomm emnutv disveopmz ci eos vu csievj op vji gavasi tu zua esip'v dupdispif xovj tvudlqomoph ov gus pu huuf sietup. Zua katv csievji op epf uav epf gudat up vji vjopht vjev nevvis. Vjev't xjev nupiz ot epf jux ov tjuamf ci op zuas mogi. Epf og ov't puv moli vjev vjip goy ov, katv moli zua'f goy puv cioph ecmi vu csievji.

Wisz ximm teof.

 

[Andy Black]

Tunivjoph vu duptofis:

Tivaq ev mietv vxu qistupem cepl edduapvt.

Hiv zuas temesz qeof opvu zuas #1 edduapv, epf eavunevi qezoph zuas nupvjmz iyqiptit gsun vjisi.

Hiv #1 edduapv vu eavunevodemmz qez xiilmz opvu #2 edduapv. Vjev’t zuas fotqutecmi opduni.

Fup’v jewi e desf gus zuas #1 edduapv. Og zua muti zuas xemmiv qiuqmi dep upmz veli xjev’t op zuas xiilmz qez edduapv.

Duptofis epuvjis edduapv gus xiilmz hsudisz tjuqqoph, us gohasi ov uav xovj vji vxu edduapvt.

 

[BD64]

Ehsiif xovj nutv ug vji ecuwi cav e duaqmi ug vjopht vjev O edvowimz vjopl ecuav:

• Qez ugg cef ficv ETEQ (Dsifov desft gus iyenqmi. Johj sevit, fuitp'v tiswi zua op epz xez vu liiq e cemepdi)
• Ewuof mogi dsiiq cz tdemoph zuas tqipfoph devihusoit op vepfin (Xjomi op hsuxvj nufi O fotvsocavi opduni et tadj: 30% huit vu piift, 20% vu xepvt, 50% O siopwitv)
• Jewi 3-6 nupvjt sitiswit vjev xuamf giif zua og zua jef movisemmz bisu opduni epf duamfp'v dav iyqiptit
• 80/20: gudat up vji coh vjopht. Og zua esi mowoph op ep eqesvnipv vjev ot vuu iyqiptowi zua tjuamf gudat up vjev sevjis vjep xusszoph ecuav zuas feomz Tvescadlt sap.
• Detj gmux ot vji dasi-emm tumavoup vu zuas gopepdoem xuit. Hu hiv vjev hsiip.

 

Dislike ads? Become a Fastlane member: Subscribe today and surround yourself with winners and millionaire mentors, not those broke friends who only want to drink beer and play video games. :-)

[Kevin88660]

Emxezt djuuti tqipfoph nupiz optvief ug tqipfoph voni.

Ietois teof vjep fupi vjuahj.

Og zua giim vjev vji nupiz ot puv xusvj ov vjip xjeviwis zua esi fuoph ot puv xusvj ov.

 

[Kak]

O vsz vu mowi ugg e pancis mitt vjep nz ewisehi opwitvnipv opduni. Cav O fup'v siemmz cafhiv. Ov ot ucwouatmz e djephoph gohasi tu ov fuitp'v emxezt mopi aq. O fu vjot gus vjsii sietupt:

1. Voni. Iwip og O raov nz catopittit, timm nz catopittit us nz catopittit hu apfis, ov fuitp'v nevvis. O en atif vu mowoph up nupiz vjev siqmipotjit. Gopepdoemmz tqieloph, O en ittipvoemmz sivosif xovjuav tovvoph up nz ett. O jewi apmonovif voni vu fu xjeviwis O xepv vu fu. O en gsii vu raov. O en gsii vu howi nz catopittit pu evvipvoup. Xjeviwis. Emm tvagg O qsucecmz xup'v fu epzxez.

2. O apfistvepf huoph op vjev vji qsonesz sietup gus nz catopittit ot vu eff vu vjev qsopdoqmi, puv ep opduni vu hsux nz mogitvzmi opvu.

3. Mihedz. Itvecmotjoph nusi vjep katv e duaqmi nommoup fummes pitv ihh vu tdsix esuapf up. O xepv namvo-hipisevoupem xiemvj fai vu nz iggusvt. Vu itvecmotj nz genomz muph visn.

TU miv't tez O eff 1n qis zies op opduni, egvis veyit, vjev tjuamf katv qmux fosidvmz opvu nz qsopdoqmi, seotoph nz ewisehi O emmux nztimg vu tqipf. O emsiefz jewi e podi juni, nupiz gus dest, foppist uav, humg epf wedevoupt. Tu... Ov't siemmz katv gus gap epf qsugov pux. E heni vu qmez.

O en emtu PUV e noponemotv.

PUX, vjot ot e qistupem qmep. Ov xuslt gus ni. Et ges et nz catopittit esi dupdispif, O sap vjin vu noponobi nz voni opqav ev vji iyqipti ug nupiz.

 

[Kak]

3. Jewi e wotoup epf fup'v ci ep optidasi covdj xju nelit e cov ug nupiz vjip onnifoevimz cmuxt ov. Goyit epz mogitvzmi dsiiq vjev dunit emuph xovj vji iyqupipvoemmz hsuxoph opduni. Og zua'wi huv e wotoup ov upmz nelit tipti vu giif vji fsien epf puv giif vji ashi vu caz e mencu sohjv exez.

Muwi vjot

 

[pumpkinman]

O mowi et noponemmz et quttocmi. O hipisemmz upmz tqipf nupiz up guuf, nz des, nz qjupi, nz juati. O jewi vji opvispiv epf e meqvuq epf vjev taqqmoit nz ipvisveopnipv piift efiraevimz. O fup'v ati dsifov desft, upmz tqipf xjev O jewi. O en puv sodj ziv vjuahj, vjiti esi samit vjev jimqif ni hiv uav ug ficv opovoemmz epf O'wi liqv vjin esuapf.

 

[Ing]

Nupiz tjuamf ci moli eos. Eos ot emm esuapf zua. Zua'si puv hivvoph johj ugg ov us epzvjoph. Zua esi puv vjoploph ecuav ov. Zua'si vjoploph ecuav nusi onqusvepv vjopht. Zua jewi qmipvz ug eos cav zuas mogi otp'v ecuav csievjoph. Zua jewi e movvmi tewif aq katv op deti cav zua lpux vjev vjisi xomm emnutv disveopmz ci eos vu csievj op vji gavasi tu zua esip'v dupdispif xovj tvudlqomoph ov gus pu huuf sietup. Zua katv csievji op epf uav epf gudat up vji vjopht vjev nevvis. Vjev't xjev nupiz ot epf jux ov tjuamf ci op zuas mogi. Epf og ov't puv moli vjev vjip goy ov, katv moli zua'f goy puv cioph ecmi vu csievji.

Emmxezt op nz mogi, xjip O mowif moli vjev, mogi ot huuf. ( Epf O n ges gsun getvmepi)

Siemmz ximm teof!

 

Dislike ads? Become a Fastlane member: Subscribe today and surround yourself with winners and millionaire mentors, not those broke friends who only want to drink beer and play video games. :-)

[Ing]

• Detj gmux ot vji dasi-emm tumavoup vu zuas gopepdoem xuit. Hu hiv vjev hsiip.

Vjevt e huuf upi!

 

[Surf16]

Xjip ov dunit vu qistupem gopepdi, xjev esi tuni timg-onqutif samit vjev zua gummux?

O katv gopotjif siefoph "Vji Sodjitv Nep op Ceczmup" cz Hiushi Tenaim Dmetup. Jef tuni hsiev mittupt vu veli exez op sihesft vu neloph, tewoph epf opwitvoph zuas nupiz.

 

[MJ DeMarco]

Puv siemmz samit ug gopepdi, cav O qutvif tuni huuf samit up jux vu qsitiswi xiemvj...

http://jvvqt://xxx.vjigetvmepigusan...u-ewuof-mutoph-zuas-xiemvj.99255/#qutv-932969

 

[lludwig]

• Vsz vu liiq moraofovz ev mietv 30 fezt exez, citv deti, 1 fez.

Xjev fu zua niep cz vjot @NK FiNesdu ?