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Although I have invested a little over 3 years now, I do realise many money mistakes I made. Hence, I hope you will not follow my footsteps 🐾
1️⃣ No Budgeting
Many people don't actually realise the single best way to understand your finances better is: Budgeting. I understand it is a hassle, to add in every transaction of the day. However, that is how, you will better undersatand where all your money are going! "It's not about how much you make, but what you SAVE"
Some apps that I found useful: Seedly, Spendee, Dime
2️⃣ Living beyond my means
It is definitely nice to indulge occassionally. However, when what you spend > what you earn, that is a huge problem. As, I continue living that for a while, I realised my savings is depleting every month.
3️⃣ Not investing
Me too, I am also extremely skeptical about investing PREVIOUSLY. This is due to my parents upbringing that investing is a "scam". However, my brothers and I soon realised that it is the ignorant people that are not investing. Instead, investing is a great way to grow your money over time, if you understand the risks involved.
4️⃣ Not setting financial goals
Recently, I realised this is so important. As I set a financial goal, I will often hustle hard to achieve it. Not having it, often make me clueless and aimless. I believe once you know what you want to achieve, you can start to make a plan to reach your goals.
5️⃣ Not being patient
Previously, I always thought I could time the market. The COVID-rally was something I missed, which made me learnt the need to be patient. I also thought there are ways to get rich quick previously, however I am wrong!
Advice: Focus on making smart financial decisions and you'll eventually reach your goals!
😭 Our Stand 😭
Making money mistakes in your 20s is perfectly normal. In fact, is better if you make it early.
However, I firmly believe if you can avoid the mistakes I made, you are well on your way to achieving financial success 🌟