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Hello, it's Financial Literacy Month, so here are five tips to replace your grow math with. Let's go. One, don't save what's left after spending. Spend what's left after saving. Automate those savings and your future self will definitely be thinking you. Two, write down your financial goals. Everything in life takes planning, and there's nothing wrong with being practical about your finances. Have goals for your ideal salary, that fund vacation you want to take, and even that item that's been in your D-POP-save section for a little too long. The planning will motivate you to work towards that goal. Three, use the 50, 30, 20 rule. 50% needs, 30% wants, and 20% savings or death. Budgeting isn't boring, it gives you freedom. Four, credit cards are not free money, even if they seem like they are. Use them like debit cards, and always pay them in full. Good credit equals better rates, equals even more money in your pockets. Fuck, limit your spending money. Call your credit card company, limit how much you can borrow, and self-regulate your spending. For more money, saving, or spending tips, head to teambogue.com.