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Spending $10/lunch, 3 times/week = $1,500+/year. Take your lunch to work! More tips: bit.ly/1FyxaJd

Spending $10/lunch, 3 times/week = $1,500+/year. Take your lunch to work! More tips: bit.ly/1FyxaJd

An expensive 3-D television will need to be replaced at some point, but the memories of your trip to Ecuador will last a lifetime.

An expensive 3-D television will need to be replaced at some point, but the memories of your trip to Ecuador will last a lifetime.

What does it mean to live within your means? Know your salary & expenses. Understand needs versus wants.

What does it mean to live within your means? Know your salary & expenses. Understand needs versus wants.

Making on-time payments and using a credit card (that you pay off in full each month) helps build your credit history.

Making on-time payments and using a credit card (that you pay off in full each month) helps build your credit history.

Be prepared for unforeseen events. Most consider building 6-9 months worth of living expenses.

Be prepared for unforeseen events. Most consider building 6-9 months worth of living expenses.

Get a money routine and stick to your budget. Have a financial plan and #StartNow by practicing consistency!

Get a money routine and stick to your budget. Have a financial plan and #StartNow by practicing consistency!

Want to build wealth and be financially prepared for retirement? That's the beauty of #investing.  #StartNow

Want to build wealth and be financially prepared for retirement? That's the beauty of #investing. #StartNow

Respect for risk is good but excessive caution may make meeting your long-term goals harder.

Respect for risk is good but excessive caution may make meeting your long-term goals harder.

You might be surprised at the perks your employer offers to make life outside the office more affordable, such as a cheaper gym membership, discounts at specific retailers, or free entrance to local museums.

You might be surprised at the perks your employer offers to make life outside the office more affordable, such as a cheaper gym membership, discounts at specific retailers, or free entrance to local museums.

What does it mean to pay yourself first? Take care of your financial obligations before splurging!

What does it mean to pay yourself first? Take care of your financial obligations before splurging!

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