The smartest thing I have done in money matters is to treat my 401(K) and my mortgages on my home and investment properties as "extra" liabilities every month. I always add at least an extra payment to my home mortgage and add as much as I am eligible to add to my retirement. My left over funds are my working capital for the month. I have moved myself in the " Debt Free" zone and opted out of monthly meals out or extravagances for paying off all my debt first.

I never do not pay off my credit cards every month. I wait to use my card at the beginning of the billing cycle so I actual use my card for a free month's interest. At 18-29% interest, not paying off your credit card is like borrowing from a loan shark.

Worst thing I ever did was allowing a partner to be on my mortgage. I was financially way more secure and way more experienced and I ended up paying a high price to get out of the relationship. Lesson learned......

Most experts agree that it's best to start teaching children about money as early as possible. By instilling sound financial habits and practices at an early age, children will develop a solid foundation that will serve them well throughout their adult lives.
As the parent, you ultimately will decide when your child is ready to take the next step along the financial learning curve. To help you develop your child's money skills, here are some guidelines for age-appropriate lessons and activities.
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