One of the things you don’t realize about adulthood is that credit is quite powerful, especially when you’re not well off. Having good credit, or even great credit, for that matter, not only represents your ability to purchase but marks you off as a “trustworthy and responsible adult” to lenders. Lenders that you may call upon for slight assistance when purchasing that new car or future home.

Most people think you have to have a high paying job to be able to experience the luxuries of traveling. However, that is not true at all as anyone from any tax bracket can travel. The question is, are you willing to sacrifice a little more in exchange for a trip?

Bottom line, if you are really persistent, are self-disciplined, and determined to get a handle on your finances, you will do anything and everything you can to do it. You really have to want it to get it done because it’s too easy to budget for one pay period and then go back to your old habits the next. Hence the cycle of debt.

in eight months…

Money, the one thing that causes grief and happiness all in one. Having too much money can be a problem and not having enough can certainly create problems. In fact, it was reported that in 2014, a third of adults with partners reported that money is a major source of conflict in their relationship (source: APA).