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6. Put it back. Save your money. Put it back. Pay off your debt. Put it back. Maybe next time.

If you can honestly say, you have no debt (car loan, student loan, credit card debt), then by all means, buy yourself whatever makes you happy. The problem is that most people are not in that boat, and what happens is when they get money, they buy things they really can’t afford on credit, they pay that lender the minimum, and they go on with their life. What then happens is that person becomes a “slave” to their materials.

Another thing that happens is that when most people get paid–100% of it goes to other people. They don’t save any of it, which is not uncommon, seeing that most Americans live from paycheck to paycheck. Some employers offer their employees retirement tools like a 401K. If not, you can always open up something like a Roth IRA retirement account and allocate a portion of your check directly to the account. I opened one up with Fidelity online and they have a great staff to help you along the way. You can choose who you want, just be proactive and prepare for old age, opposed to trying to react to waking up old one day and not having any money.

Pokemon Go around Paris

Source: Chesnot / Getty

5. Going with a $40 phone plan instead of a $100 phone plan could save you $720 this year. Make the switch.

This is pretty self-explanatory.

Pink fork

Source: Priscila Zambotto / Getty

4. A lot of plastics and storage containers are made with a harmful chemical called BPA. Consider replacing what you have with BPA-free ones.

Your homework today is to Google “BPA chemical.”

10 Ways to Improve Your Health & Wealth In 2018  was originally published on thebeatdfw.com

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