things about money and bad habits about that!!!

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Avoid Consumer Debt

Credit card debt is easy to get into and hard to get out of. Sky-high interest rates mean you can get stuck paying bills for a long time – and if you can't pay them back, the effect on your credit score can haunt you for years.

Build an Emergency Fund

An emergency fund is a critical tool to maintaining financial independence if the unexpected arises, Keihn says. It's best to start saving – ideally shooting for three to six months' worth of expenses – as soon as you can.

Start Investing Early

The earlier you start your investment portfolio, the more time you have to see returns. Even if you can invest only a small amount when you're young it'll still put you ahead of the game.

Don't Forget to Prioritize Retirement

When you're young and starting your career, retirement might seem like a far-off goal. Still, saving from a young age is crucial to a successful retirement.

Spending More Than You Earn	Relying On Credit To Pay The Bills	Taking Out Payday Loans	Not Being Prepared For An Emergency	Paying Your Bills Late
Spending more than you earn is THE cardinal sin of personal finance. This one habit will have a trickle-down effect, causing big problems in all areas of your personal finances. For instance, if you spend more than you earn you'll have to rely on credit to cover the rest. The credit comes with interest and traps you into debt. You continue spending more than you earn creating a bigger, more vicious cycle	Credit is expensive and if not used properly is a trap! If you're using credit to cover basic things like food or rent or are using it for mindless purchases (like a vacation or new clothes) you need to remedy the situation. While it's true that at some point you might need to rely on debt say, for a mortgage, education expenses or an investment property it should be done with extreme care and planning. Do not use credit cards or any other form of debt to cover your bills.	If you currently take out payday loans you need to break this habit now. The interest is not worth it. There are SO many other ways for you to come up with money when you need it.	If there's one thing you can count on its that at some point or another something will go wrong. An accident will happen, a job will be lost or an appliance will break. Being prepared for an emergency is very important when it comes to your finances	Paying your bills late – it's a bad habit to have but happens to even the best of us. When you pay your bills late your credit score takes a hit and you could cost yourself more money in late fees and interest charges. Make it a habit of always paying your bills on time. If you're the type of person who simply procrastinates with tasks like this consider enrolling in auto-pay.