Until I was 23 years old, I was terrible with money. I had never made a budget. I always carried a balance on my credit card. I didn’t even have a savings account, let alone any money in one. My living expenses were paid for with my student loans, and I spent the money I earned from my part-time job at the mall every payday. I had no financial goals or plans, and even worse, I didn’t think I needed to. My wake-up call was when my latest student loan disbursement came through – and a rough calculation predicted that – by the time I graduated from my program, I would be over $40,000 in debt. I couldn’t believe that number. I wasn’t even sure I’d be able to get a job that paid that much as a salary, let alone having to pay off that amount of debt. My […]
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