25 Extreme Personal Finance Tips

Elevate Your Money

Tip 1

Keep your rent/mortgage payment 10–15% (or less) of your net income.

Tip 2

Avoid car payments. If you decide to take on a car payment, have the cash (in your bank account) to buy the car outright.

Tip 3

Keep your net worth positive — at all times.

Tip 4

Always have a minimum of 5 streams of income. But aim for at least 10+ streams. Never depend on one source of income. Diversify. Diversify. Diversify.

Tip 5

Budget daily. Keep track of your money daily. Always know what is happening when it comes to your money. Be in the know.

Tip 6

Stay in charge of YOUR money. Never leave the responsibility of your money up to someone else.

Tip 7

Pay for everything via credit card to earn money or points back on purchases, and increase your financial security.

Tip 8

If you can’t use a credit card responsibly, stay away from them altogether.

Tip 9

If you have kids, open up a retirement or investment account for them the day you get pregnant, adopt, or start prepping to have your kid. Why not set up your kid to be a millionaire before age 30?

Tip 10

Buy only what you truly desire. Don’t buy to impress. Don’t buy because everyone else is buying. Don’t buy to fill a void. Don’t buy things you won’t use consistently. Always buy intentionally.

Tip 11

Increase your income yearly. Never go a year without increasing your income. Get creative.

Tip 12

Repair your car instead of buying a new one.

Tip 13

Keep an eye on your credit score and credit health to ensure you’re the only one using it.

Tip 14

Until you reach financial independence, live with family, friends, roommates, etc., to save money and live below your means. But you may want to continue living with others even after reaching financial independence. Extra cash flow always feels good.

Tip 15

Be cautious of costly habits.

Tip 16

If you have an employer, max out your 401k match, and contribute the max amount per year. Find a way to live off the rest comfortably.

Tip 17

Spend substantially less than you earn. Always have money left over at the end of the month. Avoid living paycheck to paycheck at all costs.

Tip 18

Be careful who you shack up with, partner up with, or date; ensure they are money conscientious. Make sure the person you are with has a healthy relationship with money. Maintain firm financial boundaries. Do not let others divert you from your financial goals.

Tip 19

Don’t have kids you can’t afford.

Tip 20

Intake copious amounts of financial advice, but make your own decisions about which advice to follow. But the one piece of advice you should always follow is: Invest now. Invest early.

Tip 21

If you have debt, invest while you pay off your debt because one thing you cannot get back is time; and compound interest thrives off time.

Tip 22

Never cease your financial education. Read books and articles, attend seminars, listen to podcasts, and chat with financial experts. Be sure to always be obtaining new financial knowledge. When you know better, you do better. The earlier you can learn about money, the better off you will be financially.

Tip 23

Don’t spend money to impress people, not even yourself. What a waste this is.

Tip 24

Don’t live in states you can’t afford. Instead, take a vacation to the location.

Tip 25

Avoid student loans if you can. Aim to go to school for free, with scholarships, jobs, programs, etc.


Destiny S. Harris is a writer, poet, entrepreneur, teacher, and techie who offers free books daily on amazon. Destiny obtained three degrees in political science, psychology, and women’s studies. Follow her on Instagram, Facebook, or @ destinyh.com