Comments on: 10 Financial Commandments for Your 20s

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By: Canada Goose

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By: Credit Card Processing

Credit Card Processing — Thu, 11 Aug 2011 20:12:22 +0000

I wish I would have had this knowledge when I was actually in my 20's.

By: Credit Card Processing

Credit Card Processing — Wed, 13 Jul 2011 12:42:27 +0000

Nice post on author, thanks for this suggestion

By: Starshard0

Starshard0 — Wed, 12 Jan 2011 02:57:20 +0000

I agree with everything except 6 and partially 7.

I think that credit is overrated and often unnecessary. I purchased my first and second cars in cash, and I plan on buying my house in cash when the time comes. What good is a credit score for me then?

As far as having a marketable skill goes, it's important, but I think it's even more important to have a little bit a of knowledge in a wide variety of skills.

By: The David

The David — Tue, 17 Mar 2009 01:39:19 +0000

Of course you may I welcome all feedback and new angles and opinions.

Student loans should definitely be on there. I think too many people just hear the words “student loans”, and think “ok, that's good debt – regardless of how much it is.”

I'm lucky that I don't have too much, but I know some people that are crippled by it when they graduate, especially now that the job market isn't so hot.

People would be well to do an ROI, or at least make sure they're informed of how much it's going to cost them.

It's one think to realize you have X amount of loans, but it's another to realize that you're going to be paying them off for 11 years.

By: tom

tom — Thu, 12 Mar 2009 20:13:05 +0000

If I may, one huge problem is student loans. I mean what do you do when you know that after you are done with school you will be loaded with 20-50 or even 100K in debt.

It may be wiser to do an ROI, or take some time off to gain experience, make money and determine what path you really want to pursue.

By: The David

The David — Fri, 23 Jan 2009 06:26:35 +0000

Hi Slinky,

That makes sense. You've got credit in other places, so having a credit card isn't as important to you. Good for you for not having a card (and also not having credit card debt!)

We could all work on our skill set. There's no such thing as being overqualified, especially in today's job market.

Thanks for the comment!

By: Slinky

Slinky — Thu, 22 Jan 2009 19:22:52 +0000

Nice list! I'm doing pretty well with these. Credit wise, I refuse to get a credit card. I don't need one, and I don't want one. I've got my student loans, car loan and a couple lines of credit, so I'll have some history when I go to buy a house in a few years. After that I don't care, because I don't really plan to get a loan for anything after that. Other than that, I could also work more on my skill set. Everything else, I've pretty much got down. Go me!

By: Pecuniarities

Pecuniarities — Mon, 19 Jan 2009 14:02:11 +0000

Carnival of Personal Finance No. 188: The Jane Austen Edition…

Welcome to the 188th Carnival of Personal Finance! Our theme for this week’s edition is Jane Austen, as I am a admirer of both her novels and the films based on her novels, which are graced throughout with witty commentary on society — and in …

By: The David

The David — Fri, 16 Jan 2009 04:23:45 +0000

It really is the scary part. An ounce of prevention would be worth a ton of cure. That's why I don't get why more high schools and colleges don't require a mandatory personal finance class.

I'm lucky. I made these mistakes, but I learned my lesson soon enough that I can still fix them.

Thanks for the comment.

By: Graham S.

Graham S. — Fri, 16 Jan 2009 01:02:12 +0000

The scary part is that most people don't figure this out until it's way too late!

By: The David

The David — Fri, 16 Jan 2009 00:16:53 +0000

Sounds like your in great shape – better than most. I think we're all trying to find a way to market our skills/knowledge better, be it to employers or for our own endeavors. Kind of funny how a down economy can encourage innovation.

Out of curiosity, are you investing in a Roth IRA yet? If you are, you're probably in better shape than at least 90% of people out there.