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75 Financial Tips to Help Your Wallet


For our 75th episode of Money Talk with Skyler Fleming. My wonderful wife, Rebecca, and I went over 75 financial tips to help you out. Be sure to find your favorite one and go have a money talk about it with someone else! I hope this list helps you out. Please contact me if you have any questions about any of the topics!


  1. Budgeting is very important to consider and implement

  2. You can save too much money

  3. A written plan is one of the most important things to have

  4. Automation is essential to sticking to a long-term plan

  5. Credit cards are dangerous and not for everyone

  6. Credit cards can be a very nice tool

  7. Index funds are the way to go

  8. Simple investing is happy investing

  9. Look at your money in new ways and try out new ideas

  10. Budgeting gets easier and easier as you go

  11. It’s essential to work together with money if you’re living with someone

  12. Talking about money is important for everyone

  13. Create systems for your money

  14. Accountability partners are very helpful

  15. Make sure you are saving for retirement

  16. Don’t try to learn everything all at once

  17. Understand that behavior is a huge thing with money

  18. Emotions play a role with money so don’t plan as if they don’t

  19. Money impacts everyone's life in a lot of ways

  20. Planning goes a long way. With money, meals, transportation, etc…

  21. Discouraging salary discussions is a big red flag

  22. The emergency fund is non-negotiable

  23. Buy Now Pay Later is an old scam in new clothes that were probably bought with debt

  24. Don’t make decisions immediately when it comes to money

  25. Have a normal regular time to talk about and make decisions around money

  26. The 50/30/20 budget rule can be a great starting point

  27. You don’t have to be debt free to start investing

  28. Being debt free can open up many opportunities

  29. Meal planning can be a huge deal in your health and finances

  30. Make your goals measurable

  31. Track your expenses

  32. Use an online tool like PC, Mint or YNAB

  33. Go reusable

  34. Don’t get name-brand items

  35. Break up annual expenses into monthly savings

  36. No spend weeks

  37. Smart thermostats

  38. Research well before you buy

  39. Get a 401K employer match

  40. Save your received gift money

  41. Take advantage of deals and free things

  42. Pay more than the minimum payment on loans

  43. Don’t pay credit card interest

  44. Use credit cards wisely

  45. Don’t go into too much debt

  46. Use high-yield online savings accounts

  47. Buy larger/in bulk quantities.

  48. Eliminate daily expenses

  49. Use the GasBuddy app to find cheap gas

  50. Drive slower and less aggressive

  51. Shop around for deals

  52. Shop your insurance regularly

  53. Use the library for DVDs and entertainment

  54. Bike more

  55. Find free community events

  56. Assess your childhood experience with saving money

  57. Identify spending triggers

  58. Check your credit report

  59. Keep up on home maintenance. Especially windows

  60. Shop gently-used clothing

  61. Be open and honest about gift-giving expectations

  62. Save for Christmas and Holiday Spending

  63. Get annual checkups at the doctors

  64. Exercise regularly

  65. Cancel recurring subscriptions

  66. Pay attention to work benefits

  67. Don’t save your credit card information everywhere

  68. Use free credit monitoring and ID theft services from banks and CUs

  69. Sign up for free reward programs for the places you frequent

  70. Have a will

  71. HSA can be a great investing tool

  72. Take care of your financial life before taking care of others

 

Money Talk with Skyler Fleming

Listen wherever you find your podcasts or on Anchor

Email me at moneytalk@skylerfleming.com


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