Let's face it, managing your personal finances can sometimes feel like a daunting task to master when it comes to paying off debt, but fear not! Carla is back to share her key tips and tricks for mastering your finances and tackling your debts with confidence. Living with debt is a reality that many millennials face, but we won't let it steal the spotlight on your financial future. Carla shares several steps you can implement to set up your financial strategy to allow you to still enjoy the things you love while managing your existing debt. Whether it's prioritizing student loans, paying off high-interest credit cards first, or setting up automatic payments and savings, you’ll be on track to paying off your debt in no time. Remember, paying your credit card in full and on time is the ultimate showstopper. Carla will guide you in tracking your spending, utilizing your credit cards strategically, and increasing your credit score. It's time to hit those financial high notes and make your money work for you!  

Today’s topics include:   

• Creating a budget that sets the stage for success  
  
• Tackling debts like student loans and credit cards based on interest rates, starting with the highest interest debt first  
  
• Saving at least 3-6 months' worth of living expenses as a financial safety net  
  
• Setting up automatic bill payments for credit cards and automatic transfers into savings accounts  
  
• Finding accounts with competitive interest rates and minimal fees for maximizing banking benefits  
  
• Tracking progress, making adjustments, and celebrating milestones along the way  
  

Please make sure to rate, review, and follow us for more financial tips, tricks, and tactics. Tandia Financial Credit Union is here to help. Got Feedback? Want to learn more? Head to tandia.com for an experience as unique as you are.