Money is an important part of our lives. We buy what we need with it, we fund our future with it and we support others with it.
Unfortunately, there are a number of bad habits that can sabotage our financial well-being. Some of these habits won’t destroy our finances right away, but over time, we may find ourselves in a dire situation with little hope of recovery.
Let’s take a look at some of these bad habits and how you can avoid or conquer them as quickly as possible.
1. Smoking. According to the CDC, “Tobacco use remains the single largest preventable cause of death and disease in the United States.” Talk about bad for your finances and your health.
Let’s pretend for a moment that the only cost from smoking is what hits your wallet — not your lungs. OK, how much will you be spending?
Let’s say that a pack of cigarettes costs you $4.49 — although the price widely varies from state to state. And, let’s say you smoke two packs a day. That’s $8.98 a day.
Every now and then, I’ll reach out to the Good Financial Cents community for their input regarding what they’d like to see on the blog.
One person said their biggest financial fear wasn’t generating enough income to maintain their current plan. I thought I’d address that fear in this post. After all, that’s pretty scary, right?
Imagine not bringing in enough income to pay your bills or those unexpected expenses that come up every so often. Perhaps you don’t have to imagine that scenario — you’re living it!
You know exactly what it’s like to be late on your bills and have to borrow using credit cards to make ends meet. Whether you’re in that scenario or you want to know what to do should you find yourself there, this post is for you.
The Financial Blogger’s Conference community provided me with some of their best tips that I’ll incorporate into this article. You’ll love what they have to say.
Alan Steinborn at DestinationDebtFreedom.com has some important preliminary advice for those who find themselves in this situation:
One important thing is to not be hard on yourself.
Finally…you’ve said good-bye to your last job and you’re settling into retirement. Along with the daily commute, one of the things you can cross off your to-do list is maintaining a pristine credit score, right? Not really. There are reasons why, even in retirement, having excellent credit can be a boon.
Here are five scenarios in which having and maintaining great credit can help you reach a goal or address a lifestyle issue that may come up when you’re no longer working.
1. You Plan to Travel
One dream you may be longing to fulfill as a retiree is seeing the world, now that you have more time to do it. Whether your destination is Cape Town or Cabo San Lucas, what can help get the best deals on expenses like airline tickets and hotels is a credit card that’s generous with rewards. (See Top Airline Miles Credit Cards for specific examples.)
Of course, you need excellent credit to secure one of these cards. You also need to use the credit cards you have and pay off any balances in full to maintain a good credit history. “Use it or lose it,”
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