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The Six financial habits to cultivate in your 20s Euro coins. Euro money. Euro currency.Coins stacked on each other in different positions. Money concept Many of us think that saving is only for the working class. However, we got it all wrong. Saving your pennies is a great habit to cultivate and is sure to pay off in future. Being financially literate at your 20s will ensure you are well informed to allow one to take calculated risks at an early age. 1. Create a realistic budget It is important to critically consider a budget that will not strain you. This is the most important thing in wanting to be financially dependent, get this right and all the other steps will fall into place. Ensure your budget is comprehensive, in your 20s this is a great time for trial and error. It is crucial to do some research and know what works for you as soon as you can. 2. Save for the future You might be young now, but time never stops. Save for your retirement. Yes, think about y...

4 ways to manage change in your life people, emotions, stress and health care concept - unhappy african american young woman touching her head and suffering from headache There is too much pressure nowadays in planning for the future. Don’t get me wrong, it is great to plan, I actually do myself, but what happens when you have everything planned to a T and everything backfires on you? Disappointment happens often, however, you should never let it pull you down. There is no need to stress over what one cannot change. Here are a few ways to manage change: 1. Manage your expectations You have been having this great dream, time to put the dream into action. As much as it is good to believe in oneself and the capabilities, it is also good to protect oneself from the hurt that comes with not accomplishing what you had set out to achieve. Manage your expectations and work towards accomplishing your goal but don’t expect too much. 2. Bottle the excitement We are usually so exc...