@henrythechasetofreedom: 1. Use a debit card - credit cards with rewards paid off in full every month is free money most people leave on the table 2. Keep all savings in a current account - inflation is eating it quietly every single day 3. Take financial advice from someone with nothing to show for it 4. Have no sinking funds - every unexpected bill becomes a crisis 5. Confuse income with wealth - a high salary with no assets is not wealth 6. Let my pension contributions sit in the default fund without ever checking what it's invested in 7. Pay full price when cashback sites and discount codes exist, free money left on the table 8. Ignore my employer pension match - that's free money being left on the table 9. Overlook tax free allowances - ISA, pension, CGT, use them every single year. 10. Not spend intentionally - because with intentional spending I live life in the present and for myself #money #PersonalFinance #financialliteracy #savings #wealth