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Or you can try an app like Mint to help you budget, set goals, and track spending. Studies show 41% of millennials have student debt, which is forcing them to delay life events like marriage and buying a home at higher rates than previous generations.If that sounds like too much of a drag, remember that you can budget in treats to reward yourself for being responsible. That said, being educated about your options both before you take out loans and after you graduate can make a world of difference in terms of your freedom and future job choices.Plus, I was underemployed for a period of time after college and made the poor choice of relying a little too much on my credit cards.My spouse and I are still working on paying off our many debts and will be for decades. We have still managed to buy a house and plan a bit for the future, even.I’ll never be rich and it’s hard to imagine ever being 100% debt free, but I know I’ll get closer to that in time.Over the past decade, I’ve watched my score go from the 500s (pretty low and sad) to the mid-700s (very respectable) due to paying on time, learning a lot about how credit works, and monitoring my credit score and reports.
If you are over the age of 18 and have more credit card debt than you would like to publicly admit, this is less for you, but we should talk about that because honey, I feel you!
If you don’t have a credit card, you’re probably wondering why you even should.
After all, they call the young folks today the generation of debt.
Perhaps paying off existing cards and fixing debt is another article for another time, but I just want you all to know that, despite having all this knowledge about credit cards, I did not follow my own advice. We don’t talk about money enough because it’s uncomfortable and social norms say it’s rude.
But damn, our generations have really been hit hard by the economy. We have to talk about it to help each other survive it!