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Check out my Recycling Like a Boss giveaway that’s still running!
Come celebrate not-snow season with Cents & Sensibility this month and enter our giveaway for a $40 Visa Gift Card. Buy yourself something nice and Spring-ey!
[…] Link to enter giveaway: http://centsandsensibility.ca/2013/04/05/april-giveaway/ […]
[…] CLICK TO ENTER THIS GIVEAWAY! –> […]
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I think the best financial advice I’ve been given would be to start saving for retirement early.
Yes, I agree. Planning for your retirement at an early age is a really key thing: you benefit from putting money away for all those extra years and you also get the interest on a larger sum of money for all those extra years. Win and win!
Thanks for posting
Lindsey
Don’t spend more money than you make!
The best financial advice I’ve been given is to always put a portion of your paycheck into savings.
Having money in savings available is a great safety net for emergency situations like your dog needing to go to the vet or the hot water tank blowing up. Sometimes I forget savings when I’m trying to pay down debt as fast as possible. It’s a good reminder!
Pay your credit card balance every month
Using your credit card – especially if you have one with a loyalty program – and paying off the balance every month is great for earning points towards a fabulous vacation and building solid credit!
The best financial advice I was given was if you can’t afford it save for it, and don’t charge it, thank you:)
I once heard the idea of freezing your credit card in a 4 litre ice cream bucket full of water. By the time your card thaws out, you’re probably not going to want whatever item you had you’re eye on.
Saving for it is just a mature person’s answer to my ice cream bucket full of water. ๐
Cheers
Lindsey
Spend and live within your means
Don’t impulse shop — first go home and consider: is it something that is necessary, do I have the money for it and can I find a better deal for it.
Hi Marlene
I really like this advice because I can be a terrible impulse spender. Creating some time and space between seeing what I want and buying what I want has helped me with avoiding shopper’s regret a hundred times over!
Thanks for commenting!
Lindsey
Saving, even small amounts throughout your life is the best way to build wealth, I always did at least 10% of my income, and when you’re buying a more expensive item, consider the cost and see if you can get it for a better price somewhere else.
Best advice I was ever given was to LOVE, LEARN and LAUGH!!
Thanks !
watch your pennies
best advice – take each day as it comes, don’t forget to fill your fun quota while making sure you have enough for at least a year then things get tough. thanks
pay yourself first
“Don’t buy that – you don’t need it.”
trying to save a little every payday can make a big difference later on
Advice from my Dad when I was a teen and started my first summer job — put a little aside each pay to save “for a rainy day”…
Best financial advice is to think about what you need vs. what you want.
Live below your means.
The best advice is to live below your means.
Probably to make sure to buy small things, like coffee, on the credit card, and pay it off every month.. that way you’re steadily building credit without living beyond your means.
awesome contest
Best advice I was given: Live within your means and always save for rainy days.
The best financial advice I have been given is to save for retirement. I am way ahead of my peers in this regard.
p.s. your Feedburner URL came up 404.
“Pay Yourself First”…put money away as soon as you get paid for savings.
Look at where your money goes by budgeting — you would be surprised at some of the expenses and how they add up. It gives you a chance to evaluate how and where to spend your money. Ex. making coffee at home instead of buying out and then you can treat yourself to something else instead
take $10 from every pay cheque and put it away in a savings account to use for future travel/dates/fancy dinners
Don’t spend what you don’t have.
start saving for retirement in my twenties
The best financial advice is to try avoid too much credit card debt.
The best financial advice I received was to avoid using credit cards as much as possible.
don’t touch the principal and don’t use credit cards
try to save enough for a month of expenses — just in case
don’t spend more than you make.
I was told very young to live within my means, my parent’s lived paycheck to paycheck most of my childhood
always try to find great deals, dont buy what you dont need
When funds are low, use cash & you will see where every penny goes
spend only what you can afford
The best financial advice I’ve ever been given is that foregoing consumption now and saving money will make your financial life better in the long run
My dad told me to never buy anything with a credit card unless I could pay the credit card bill in full each month.
The best advice I ever got was to do a monthly budget.
To invest in something or have an IRA, 401K, etc for retirement
My dad told me to get a degree and a career so I would always be financially independent.
The best advice I had was on how to budget even with low income
Never lend large amounts of money to family or friends without a legal contract if you want to ever see your money again.
[email protected]
Don’t spend more than you have
Best advice: save, save, save, when you can.
Pay yourself first.
Thanks for the chance.
[email protected]
If you don’t have the money don’t buy it
save, save, save
The first advice I got when I got my first credit card waay back was to use my credit card each month to build my credit rating but to pay it off completely each month. That bit of advice really set me on the right path when I was young instead of building up all that debt early on.
Start saving for retirement early on
That you should start saving for retirement in your 30s, even if its just a little every payday
Take advantage of as much employer matching funds as you can!
The best financial advise I was given was from a co-worker who taught me how to trade stock.
Okay this thing told me I had a duplicate comment when clearly it wasn’t. The best financial advise I was given was from a co-worker who taught me how to trade stock.
oops it was a duplicate comment. How did that happen?
The best financial advice was to start saving for retirement and set aside an additional portion of your paycheck for a house down payment.
The Millionaire Next Door. All of it is great advice. To sum up it — live well below your means!
My Mom taught me to always save as much as I could every pay day.
The best financial advice I ever got is to always have some emergency savings because you never know when an emergency might come up.
It was from my mom-comparison shop. Just because someone offers what looks like the lowest price, make sure you’re still getting the best deal, overall.
To pay yourself first – always put something in savings each month.
If you think you “need” something, wait a week before making the purchase.
Be determined & shop with a list
Don’t buy anything unless you have the cash for it.
The best financial advice I ever received was always make room for savings. That advise has gotten me through some rainy days!
never leave a credit card balance
Never carry a credit card balance.
Pay off your credit cards in full each month.
Invest in realestate.
[email protected]
From the book, “Your Money or Your Life,” align your spending and your savings with your values and priorities.
Spend less than you earn
Invest for the long term
Don’t live beyond your means. Don’t carry debt on your credit card, it is a black hole that will suck your finances dry. If you can’t pay it off at the end of the month, don’t buy it.
Start saving fro retirement early
Don’t spend money!
not to use credit
best advice: open a TFSA, thats where all my travel money savings goes
Never use a credit card
My aunt once told me-whenever you find something you really want to purchase, go home and think about it for at least 24-48 hrs beforehand. Chances are you will not feel as though you really must have it, and after that if you still really want it, then go ahead. Within reason of course, but I followed this lesson from her all of my life and to be honest, I think I ended up only following through and making a purchase about 10% or less of the time.
Save save save! Always keep a little extra money for emergencies to fall back on
Invest in good dividend stocks
Always have an emergency fund & don’t touch it unless it really is an emergency
pay your self first
Get rid of those credit cards, they will only bring you down!
Differentiate between needs and wants
The best advice I’ve received was to start saving for retirement as soon as I could when I was younger. A little each week, adds up over the years.
Save for a rainy day, no never know when you’ll need it!
Make a reasonable budget & stick to it
always find a way to put money toward your rrsps.
Stick to a budget
look for deals
I was always advised to pay myself first. To me, this meant putting money into investments. All the small amounts add up.
Only buy what you need
Take care of your bills first, then what’s left over is yours for leisure.
Do not buy something you do not really need
I think the best financial advice Iโve been given would be to start saving for retirement early.
Put 100.00 a paycheck into saving in case of an emergency that way you won’t have to use your credit card
save save save even if its just a little, like the change in your pocket you won’t miss, it does add up
save a little each payday
dont buy something you cant afford
If you don’t have the cash you can’t buy it. Because Credit Cards are for emergencies only.
Avoid credit cards and unnecessary expenses!
always keep a portion of your paycheck in the bank
Try to save 20% of your monthly paycheck if you can.
At the age of 19 (now 33) I was told to start contributing to an RRSP so by the time I’m retired I’d have over a million dollars. Sadly, I didn’t listen
Stop using credit cards was the best advice someone told me. I feel a huge relief not having to deal with high interest rates.
use coupons when an item is already on sale
before you buy something be sure you NEED it, not just WANT it
Save 10% of each paycheck!
alway pay your credit cards off every month
start saving for your retirement as soon as possible
Save money for a rainy day!
Always save for a rainy day. you know it is going to rain one day so be prepared.
don’t run up credit card debt!
Every paycheck put some money in savings. Even if it is only $10.
Save for a rainy day, cute for kids, but it should really be another R word…RETIREMENT! ๐
always have an emergency account
If you dont need it dont buy it!
I always heard start retirement saving with your first job. I guess it is true it is just hard to appreciate when your 20.
Start a saving’s account and don’t touch anything you put in there
when you get paid…deposit something in a savings account
Make yourself save something every month, whether or not its a couple of bucks.
start saving for retirement when you are young
start saving as soon as you can
use credit cards only for emergencies
To pay with cash as much as possible.
Pay by cash then you know where your money is going.
Years ago, a friend insisted I put money in a 503 retirement plan. I am so thankful.
at least pay yourself a few bucks each week to do save
vmkids3 at msn dot com
the best has been to pay with cash for everything
Save your money
jmatek AT wi DOT rr DOT com
My grandma always said put extra money away every week for a rainy day!
save for retirement
To keep a minimum of 3 months salary in your savings account!
I was told to use cash as much as possible!
Don’t spend more than you have.
Thanks for the contest.
Credit cards are only for emergencies and renting cars.
Make a budget and stick to it. If something isn’t in your budget. you don’t get it.
save money for retirement
always save for a rainy day, the next bad thing will happen anytime, and soon
If you can’t pay cash…don’t buy it. ๐ That advice has served me well.
always have some money for an emergency fund
invest for the long run
The best advice I received was split your money into spend, save and share piles. Even if there is only a little in some of the piles, you are making progress.
If you don’t have the cash to pay for it, you don’t need it is the best advice I got.
Always live within your means or below it but never about it.
The best tip I ever received was to make sure you set priorities, that way all of the essentials are always covered!
To always put 10% of my paychecks into my savings account and never dip into it for frivolous purchases!
Best financial advise was, don’t loan people money, especially family members.
Live below your means! ๐
Don’t use credit cards