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Message: <blockquote data-quote="WayneLigon" data-source="post: 1089326" data-attributes="member: 3649">1. Credit cards are for emergencies, or Internet purchases only. Pay them off at the end of each billing cycle, or stop using them. 2. Pick a day to wash, or clean, or whatever semi-major task you have to do. Always do it then, so you won't forget it.3. Schedule a vacation away from the city you live in at least once a year, even if it's just a couple days. Travel broadens.4. Always read the fine print. Ask questions. Never be intimidated by the help.5. Always keep a flashlight and a towel in your car. Those two things are amazingly useful. If you can, also keep: a multi-tool of some kind, a half-gallon of water, a few basic tools (of any type; these also serve as makeshift weapons just in case) including at least one with some kind of blade, plastic wrap (painters drop cloths are best; thin and it folds very small) and a small medical kit. 6. Start a second bank account at a credit union or something like that. Put in some cash, then forget about it until the next time you have an unexpected windfall or even just $10.00 left over at the end of the pay cycle. Never take checks for that account with you, and never use a bank card or check card from there. It gives you a nice cushion in case the stuff hits the fan. 7. Get a dog, especially if you live alone. You will always, always have something that loves you just for you. 8. Budget. If you make enough or have a family, look into contacting a financial manager. 9. Go someplace new for dinner, esp. if it is a locally-owned place. 10. Have all your important papers where you can get to them. Have a single sheet of paper with all important phone numbers, including the service #'s for your major appliances, HVAC, and insurance. Make copies of it, and post at least one on the fridge. 11. Make a will. Now. Make sure the beneficiaries on all insurance, retirement, everything, are current esp. if you have a family. Buy a burial plot, now, and take out burial insurance. Even if you're 20. A cheap funeral now is at least $6,000. That will probably triple by the time you need it. Don't burden your family with a massive unexpected expense at the exact time they don't need it.</blockquote>

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