🎯 Financial literacy allows you to make smart decisions with your money

🎯 Financial literacy allows you to make smart decisions with your money

🎯 Here are items that indicate financial literacy and can be a guide to what you need to improve on

1️⃣ You do more than the minimum: If you have debt, you pay off more than the minimum each month to accelerate debt repayment and reduce the interest you pay. You also regularly max out your retirement investment accounts

2️⃣ You understand your investments: You are an informed investor who understands how your investments will make money, associated fees, specific risks, and liquidity

3️⃣ You get the link between inflation & income: If your income rises in tandem with inflation, then you have the same purchasing power as you did in the past. An increase in income doesn't mean you should spend more.

4️⃣ Your money is diversified: This ensures that a failure in one area will not cause a total loss to your entire portfolio

5️⃣ You spend less than you earn: Like eating fewer calories than you burn is an adage for losing weight, the secret to wealth is spending less than you earn.

6️⃣ You pay nothing or very little in fees: You always pay off bills and credit card balances in full and on time to avoid any penalties.

7️⃣ You have a budget and stick to it: To keep track of your finances, you keep a budget and know how much comes in and how much goes out

8️⃣ You have multiple streams of income: Having multiple sources of income means that you are not totally out if one of them dries up. It also accelerates your ability to achieve financial goals sooner.

🎯 What areas do you need to focus on to increase your money savvy over time?
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