7 things you should know by now - but maybe don't
Last week I celebrated my 33rd birthday and as I get older I am starting to realize that I am actally getting older. I know it seems ridiculous because every day we get older, but this birthday is a little bit different because for the first time I also feel that I am getting wiser. When I was younger I didn’t really understand why people always said “wait until you get older and you will understand”, but now that I am older I absolutely get it.
If I could go back 15 years I would tell myself…
Don’t get a credit card until your last year of college.
Don’t move in with your boyfriend until you have a ring.
Study abroad for a semester in college and find other cheap ways to travel.
The thing about learning from our mistakes is that we always learn the lessons to late. It’s great that we gain the knowledge as we get older, but we don’t need it anymore because we’ve already learned the lesson.
I wish that I knew the damage to my life that credit cards can cause if we misuse them. I wish that I knew how many tears and 70 hour work weeks it would take to pay off my debt. That’s the funny thing about debt; it’s easy to accumulate but hard to pay off.
According to MSN here are 5 lessons that you should have already learned:
1. Time is precious. I wish that I didn’t stay up all night with friends while I was in college, my GPA would have been a lot higher. I wish that I knew in my 20s how precious time is in a relationship. I should have worked less and focused on my relationship, it could have saved us a lot of trouble.
2. Everyone is talented. If you want to succeed you have to be really talented and bring new, innovative ideas to the table at work. Everyone is talent, you need to stand out. I thought that I was a great employee because I was a good salesperson, but I came to find out that was just another number in the workplace.
3. Don’t procrastinate. Oh Lord. This was me, and still is me sometimes. Being late – or almost late – really stresses me out and I should not do it.
4. Take responsibility for your mistakes. I usually don’t try to take responsibility for my mistakes as I do try to cover them up and correct the problem before anyone notices, but maybe I should just bemore honest about my shortcomings.
5. Be loyal to your employer. I used to think that the days of starting a job at 19 and retiring with the same company are over, but changing jobs every couple of years is not really a great career strategy. Employers like long term commitment and you could be financially rewarded for your loyalty.
6. You don’t know it all. You need a mentor. We don’t know everything, no matter how smart we are. Sometimes it’s ok to ask for advice, help and assistance from co-workers or from friends.
7. Spend less than you make. This should go without saying, but trust me I didn’t know it when I was younger. According to MSN you should spend 25% less money than you earn and you will be able to afford all the things you want in life as well as build up your personal savings.
What advice would you like to give yourself 15 years ago?
Originally created for Dinks Finance
Photo by KleartcosKapoutsis