This post is featured on behalf of Jenna Brown.

It’s not easy admitting you’ve made a credit mistake because many of those mistakes are avoidable. If you’re not “making it,” and struggling with even a bit of debt, it can be difficult to ask a friend or family member for help trying to get out of your predicament. Even if you want guidance more than money.

Even Lexington Law reviews are credited to initials, rather than a person’s name because being public about financial problems is embarrassing and difficult. If you’ve fallen into any of these financial pitfalls, there is hope for you. 

The great news is that as a recent grad, you’ve got your whole life ahead of you and these mistakes can be overcome. Here are examples of three mistakes many adults frequently make (and how to fix them):

Mistake #1: Not Saving

The biggest mistake most of us make when we’re young is to assume that older version of yourself will make more money, thus making it easier to save. Reality is a bit different.

When you spend money, whether on groceries or on entertainment, it becomes very difficult to replenish the cash you spent. Your future self also has needs too, and would probably appreciate having a financial cushion in the bank. Do yourself a favor, literally, and bank a few bucks.

Maybe living paycheck to paycheck feels very Bohemian and alive to you, so here’s a better reason to save: compound interest.

If you could find a savings account offering a 1.05 percent APY on your account, every dollar you spend would have been worth a lot more in a decade if you’d saved it.

Start fixing your savings problem now, pocketing even $100 each month will mean big things for your retirement, and your future dreams.

Mistake #2: Spending What you Don’t Have

It’s Saturday night and you don’t even want to look at your bar tab. It’s not until days later that you realize you dropped almost $100 on drinks and getting in.

Take another look at that bank statement, and note how many “extra” purchases you made that week. An iced coffee each day adds up to the budget equivalent of our hypothetical Saturday night. So, really all it comes down to is the choice between instant gratification and long-term satisfaction. Easy, right?

Make sure you know where your money goes, so that you can afford what you buy. This is done by considering your priorities when it comes to spending in the now.

Set a few rules, like putting money into savings before attacking bills and getting all that other stuff you want. Discretionary spending is fine, but make sure you’re buying what you want to enrich your life and not suffering a death by a thousand cuts.

Mistake #3: You Pass Up Extra Income

There are many different ways to be making money online, without much effort on your part, that can add to your current income.

If you can write, there are no shortage of writing jobs. Handy with video content? Try creating a gig on Fiverr to create a video slideshow. Like art? Post yours on DeviantArt so you can build a portfolio to show to publishers who need work.

You can even stream yourself playing video games, cooking or building something on or YouTube to turn some extra cash on the side. 

These things take work, and you can’t make a full-time income overnight, but you can definitely add a few hundred to a few thousand each year if you put even a small amount of effort into managing those jobs.

This post is featured on behalf of Jenna Brown.

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