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Adulting 101: Here's What You Should Be Doing With Your Money

With having worked well over 20 different jobs since I was 12, I've learned quite a few things when it comes to managing money.

Cat OConnor

Dec 01, 2020

Fordham University

Adulting 101: Here's What You Should Be Doing With Your Money

Photo by Avery Evans on Unsplash

Here are my top 3 recommendations to managing your money!

1. Think Before You Buy

buy purchase GIFGiphy

This might seem like common sense, but trust me it's the little things that you think are harmless that add up and ruin your budget! Any purchase that I've regretted has been because it was an impulse buy. This can be anything from a shirt you saw walking by a store to buying dinner instead of making it or eating the food you prepped beforehand. These things add up!

When it comes to clothing, I like to spend a full week thinking on an item before purchasing. If I still want it after a week then I'll buy it but if I question it even slightly then I will not because it's likely that I won't wear it or I'll get over it after a few wears.

2. SAVE!

young dolph plies GIF by Worldstar Hip HopGiphy

If you constantly work and don't save, you might as well not be working. It'll feel like you never have money and that's a really stressful feeling.

I am a firm believer of saving along the way! This way, you have a rainy day fund if and when you need it! This will also help you if and when you don't have as consistent work or maybe have a few days off from work for whatever reason.

I am also a firm believer in having numerous sources of income because unfortunately life is expensive!

3. Build Your Credit Score

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Credit cards are where it gets tricky when it comes to big girl/boy money. It can be very easy to fall into the trap of spending more than you have and accumulating debt. I try to stick to the rule of not spending money on a credit card that I do not have in my bank account at that time. It doesn't always work, but for the most part it keeps me safe and secure.

If you are someone that just cannot handle that access to limitless money, I recommend using a credit card for your subscriptions. Netflix, Spotify, Amazon Prime, etc. add up over time and consistently paying your bill on time on those things will help you build up your credit without running the risk of accumulating debt.

I recently opened a Discover Student Credit card and I absolutely love it. You can sign up too using this link and you'll get $50! There's no catch here because the Discover card does not have any annual fees, but that is definitely something to check for when it comes to opening a credit card.

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Recommended for you

Adulting 101: Here's What You Should Be Doing With Your Money

With having worked well over 20 different jobs since I was 12, I've learned quite a few things when it comes to managing money.

1. Think Before You Buy

2. SAVE!

3. Build Your Credit Score

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The Best Lines from the Fab Four

And in the end, the love you take is equal to the love you make

The sun is up, the sky is blue, it's beautiful and so are you

Love is old, love is new, love is all, love is you

There's nowhere you can be that isn't where you're meant to be

Life is very short, and there's no time for fussing and fighting, my friend

He say, "I know you, you know me", One thing I can tell you is you got to be free

Oh please, say to me, You'll let me be your man. And please say to me, You'll let me hold your hand

It was twenty years ago today, Sgt. Pepper taught the band to play. They've been going in and out of style, but they're guaranteed to raise a smile

Living is easy with eyes closed, misunderstanding all you see

Can you hear me? When it rains and shine, it's just a state of mind

Little darling, it's been long cold lonely winter. Little darling, it feels like years since it' s been here. Here comes the sun, Here comes the sun, and I say it's alright

We danced through the night and we held each other tight, and before too long I fell in love with her. Now, I'll never dance with another when I saw her standing there

I love you, I love you, I love you, that's all I want to say

You say you want a revolution. Well you know, we all want to change the world

All the lonely people, where do they all come from. All the lonely people, where do they all belong

Oh, I get by with a little help from my friends

Hey Jude, don't make it bad. Take a sad song and make it better

Yesterday, all my troubles seemed so far away. Now it looks as though they're here to stay. Oh, I believe in yesterday

And when the brokenhearted people, living in the world agree, there will be an answer, let it be.

And anytime you feel the pain, Hey Jude, refrain. Don't carry the world upon your shoulders

I'll give you all I got to give if you say you'll love me too. I may not have a lot to give but what I got I'll give to you. I don't care too much for money. Money can't buy me love

All you need is love, love is all you need

Whisper words of wisdom, let it be

Blackbird singing in the dead of night, Take these broken wings and learn to fly. All your life, You were only waiting for this moment to arise

Though I know I'll never lose affection, for people and things that went before. I know I'll often stop and think about them. In my life, I love you more

Obviously the best superpower.

There have been many lessons learned.

1. The importance of traditions.

2. How to be thankful for family and friends.

3. How to give back.

4. What the word "community" really means.

5. That it isn't about the destination, but the journey.

6. The consequences of making bad choices.

7. To trust people, until you have a reason not to.

8. To be welcoming and accepting of everyone.

9. How to be my own, individual person.

10. How to work for what I want.

11. How to be great at giving directions.

12. How to be humble.

13. To be well-rounded.

14. How to be great at conflict resolution.

15. The beauty of getting outside and exploring.

16. To be prepared for anything.

17. That you don't always have to do it alone.

18. How to be creative.

19. To brush off gossip.

I have never been so thankful to know you.

Dealing with the inevitable realities of college life.

Don't freak out

Email the professor

Attend the first class

Keep attending class

Have a backup plan

Remember that everything works out at the end

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