No, but I can give you my best tips.
Granted, I am fortunate that I only have to worry about my needs/wants and my pay check is enough to cover enough so that I don’t live paycheck to paycheck. I realize some of the things I do just aren’t possible for everyone — you can just do the ones you can. So here are my tips on managing and saving money:
1. Use a free service, like Mint, to make a budget and savings goals.
2. Make sure you are using a credit card that gives you the most points (or miles) for your shopping habits.
3. Unless it is an emergency, don’t buy something you don’t have the money for. I pay off my credit cards every month so I don’t waste my money paying interest.
4. Check your debt. I had student loans to pay off and I was in the process of looking for a house. When I started my offer process, I realized that my student loan interest rate was 6% but I was able to get a mortgage at 2.3 something (I used a 30 year adjustable rate that I can re-lock in on any current rate at any time before my 5 years is up). It made more sense to pay off my loans and put a little less down on the house.
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