Personal Finance Tips

1. Always ask yourself if something is a need or a ____ before buying it.
6. Monitor your ______ ______ regularly.
9. Do not feel “too good” to use _______ or buy things on sale - be proud of your smart money management!
10. Instead of immediately buying something new, see if you can use what you _______ have.
12. Try to reduce your _____ costs. Save money on things like food, gas, and utilities whenever you can.
13. Have an _________ mindset - always be on the lookout for creative ways to earn and save money.
14. Keep track of your ________ to see where you can make improvements in the future.
15. Create a budget that allows money for current things, _____ _____ savings (like if you are saving for a car), and long-term savings.

2. Have a financial __________ buddy - we all need people in our lives who help us keep on track!
3. _________ will be here whether you are ready for it or not, so it is never too early to put a little away and let it grow for decades.
4. Set _____, stick to them, adjust when necessary.
5. Check your accounts and balances _____. Know how much you have.
7. Become financially literate - learn about interest rates, fees, investments, insurances, etc. You will understand how to ______ your money better if you know the lingo when you have conversations with experts.
8. Do not equate _______ with wealth! You can live a rich life without spending too much.
11. Have a _______ savings plan - do not put all of your eggs in one basket.