5 Things I have Learned from NOT Relying on Credit

Many of you probably read my goals for getting out of debt in the next 5 years, but if you didn’t I suggest that you read it first right here. I plan to not have any debt, pay for my first house in cash, and be ready to for any emergency in the next 5-10 years, but most of it is happening in the next 1-2.

While paying off all of my debt, I have learned a lot of things including budgeting, savings, a little investing, as well as how to not rely on credit.

I was a little different growing up though. When I got a paper route, my money went into savings and I got to keep part of it. When I started working at McDonald’s almost 1/2 of every paycheck when to savings and I could use the rest for whatever I wanted. Through college, I used more savings than I put in there some months, but I was never worried because I had enough put away that I didn’t really need to work, plus I had my drill paychecks and GI Bill that helped out tremendously in the first year of college.

Throughout all of my jobs, my parents never encouraged me to get a credit card. I know GASSPP! I have no credit what-so-ever. This tends to be such a terrible thing for people today, but I guess my outlook is that you don’t really need credit if you don’t need a loan. Since I plan to buy my first house in cash, I don’t suspect that credit will really be a problem for me.

Here are the 5 main things that I have learned from not relying on credit:

5 More Money Saving Tips

Hey Readers! I am so glad to finally be back and writing! The last 2 weeks I was at some military training and I just didn’t get all of my blogs written that I had wanted to, but now I am going to be back to writing a post every day, Monday- Friday! At least until I get a job or start college back up! I am back now and ready to share some more great things with you!

I have done a couple other money saving posts like these two:
Money Saving Tips #1
Money Saving Tips #2

But here are just a few more tips that I have found really helpful!

Money Saving Tips #2

As most people know from reading this blog, I am all about saving money. I am trying to come up with more creative ways to push that penny a little farther. Just in case you missed the first Money saving post. Here is the link to it. I have continued to find ideas and slowly add to them. I am hoping that this list gives you some more great ideas for saving money. Whether that money goes toward a new house, vacation, to pay off debt or whatever else it could possibly be.  This is my combination of other things I have found and other peoples comments.

Money Savings Tips #1

This blog is an extra one for the day to make up for all the days that I have been slacking off. It was started a while ago and when I come across something, I open up my blog and type it in there. Finally, I think I have finished this one at least.  I am hoping to make this a series of posts, but one step at a time.

Being young and working for every single penny that I earn. It is important to make sure that it all goes to something worth while. Right now, I am all about money saving.