This Twitter User Is Sharing All Of Her Financial Tips & Tricks

Khrystauna

Twitter/Khrystauna

Budgeting and saving money seems like a foreign concept to many people. Unless you studied accounting trying to get your finances in order seems like an uphill battle.

Thanks to Twitter user @Khrystauna, she shared how she got her money in order and it’s actually so helpful.

Issa financial literacy thread. ⬇️

— ChiChi ✨ (@Khrystauna) December 12, 2017

She covers how to manage to pay bills, saving money, budgeting, student loans and of course how to get a good credit score. It’s wildly helpful and the way she explains is easy to understand.

List out our expenses: every month i list out my bills on a calendar to make sure I know when things need to get paid and how much i should budget for that paycheck period. To have a visual representation of your expenses help you out in the long run, I promise you.

— ChiChi ✨ (@Khrystauna) December 12, 2017

BUDGET: There’s a rule of 👍🏼 to a nice checking AND savings account. People often forget to put money in the savings for a rainy day. The rule is 60/40 AFTER BILLS. Spend 60% save 40%. You’ll be amazed how fast you stack in a few paychecks while still treating yourself.

— ChiChi ✨ (@Khrystauna) December 12, 2017

BUDGET PT 3: If you got a problem (like me) with swiping your debit card all the time and wanting to transfer money, CARRY CASH. Cash is your best friend, bc once you out of it, YOU OUT OF IT. But when you got a debit card, we all know how EASY it is to get carried away.

— ChiChi ✨ (@Khrystauna) December 12, 2017

CREDIT: PSA: YOUR CREDIT SCORE IS THE MOST VALUABLE THING IN YOUR ADULT LIFE! If you got a bad credit score (under 600) pay attention because your credit score will determine everything that you get and do in life. Approval for cars, housing, loans, ect.

— ChiChi ✨ (@Khrystauna) December 12, 2017

CREDIT: For my beginners- a student debit card is your ideal credit card. My very first one was a CAPITOL ONE STUDENT CARD. Interest was low and it was easy approval. If you got a decent score as it is, try DISCOVER. Also, IF YOU GOT GOOD GRADES THEY DO REWARD YOU!!!

— ChiChi ✨ (@Khrystauna) December 12, 2017

CREDIT PT 2: That money you swiping, IS NOT YOUR MONEY. Credit cards are the devil tbh, bc it seems like you not paying for that item you purchasing but in reality you are. With every credit card there is a credit limit depending on income and your score as it is. Be mindful.

— ChiChi ✨ (@Khrystauna) December 12, 2017

CREDIT PT 3: USE YOUR CREDIT CARD ON THINGS THAT ARE EASY TO PAY OR THAT YOU GENUINELY NEED, like gas, toilet paper, toothpaste, gum.. any of that shit. Once you swipe, go online (most CC have online apps) and pay that bitch off. That’s the FASTEST way to get your credit up!

— ChiChi ✨ (@Khrystauna) December 12, 2017

Budgeting and making sure your credit score is high goes hand in hand. Khrystauna knows what she is talking about people!

CREDIT PT 4: Pay your credit cards EARLY or on TIME. Once you miss that payment because you decided not to do the 60/40 rule, your credit score will DROP. That’s never a good thing.

— ChiChi ✨ (@Khrystauna) December 13, 2017

CREDIT PT 8: Your score reflects on your consistency with payments which can interfere with you wanting to get a house, car, or loan. When people see a low score, they believe that you don’t have the capability to pay that due on time & therefore, they will reject you!

— ChiChi ✨ (@Khrystauna) December 13, 2017

For some reason these didn’t get linked to the thread, but here it is! Look at that, I’m risking my battery life for y’all- i must love y’all. 😂😂 pic.twitter.com/J1PXXbzvHq

— ChiChi ✨ (@Khrystauna) December 13, 2017

One more: DONT SPEND YOUR STUDENT REFUND MONEY ON STUPID SHIT! If you gone invest, invest big! If not pay that loan back because that 12,000 refund you got is not your money and is gone hurt you at the end.

— ChiChi ✨ (@Khrystauna) December 13, 2017

Even though Khrystauna gave really good financial tips and advice this is still just the tip of the iceberg. Becoming financially savvy is a lot of work, but it will ultimately pay off in the end.

If you need more financial advice or have questions Khrystauna opened her DM’s and for some money, she will help you out.

If y’all have any questions, feel free to DM and I will respond back immediately. I’m not a financial advisor or anything of that matter, I’m just projecting my own experience and knowledge. I just want y’all to know that being financially secure is possible in your early 20’s!

— ChiChi ✨ (@Khrystauna) December 13, 2017

Fuck it, i gotta make my coins too. $3.00 consultations for well given advice in my DMS! It’s 63 of y’all left and it keeps coming and my fingers hurting. 😂✨ pic.twitter.com/rD3URpcJ8n

— ChiChi ✨ (@Khrystauna) December 14, 2017

Goodbye being a broke bitch and hello financial security.

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