102 Personal Finance Tips Your Professor Never Taught You
If you're anything like me, you graduated from college and perhaps even took a finance class or accounting class here or there, but you didn't learn anything about managing your personal finances. In fact, there probably wasn't even an opportunity to take any such class in either high school or college. But if college is partly about training us for a job, shouldn't we learn what to do with the money we earn from a job? Especially in a country where 45% of college students are in credit card debt and 40% of all Americans say they live beyond their means, I think it's time to wise up to some of the challenges of money management. A few (say, 102) simple financial tips can help get your money life (back) on the right track.
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Okay, so a lot of credit cards are bad deals. But if you play your cards right (pun intended), you can make the most of your credit card. First of all, non-rewards credit cards are pointless. Why even have a credit card if you can't earn free stuff? That said, this list contains only rewards-type cards. Second of all, any cards with annual fees are bad deals. (What is this, a country club membership?) That said, none of these cards have annual fees attached. Thirdly, we realize that nerds, bloggers, and Digg users are not all one and the same, but their interests do tend to overlap, so please don't feel too offended by being lumped in with the nerds if you happen to be a hipster blogger.