(15) Create New ‘Good Credit’ Habits Now & Always Use Them

They say that success leaves footprints. So do high-credit people. Here’s what they do starting young that you can begin to implement today:
1. Create a budget to live on.
2. Create a financial plan to prosper on.
3. Save money. Open an ’emergency fund’ and a ‘retirement account’ today, even if you are only putting in $5.
4. If you have a retirement account at work or on your own, always deposit the maximum into that account.
5. Never borrow money, unless it is for a ‘good debt.’ What’s a good debt? It is borrowing money for education, a business or something that you have the potential to make money with. What’s bad debt? It’s expensive cars, clothes, vacations.

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