If you are in your 20s this presentation can help you understand your financial priori tie deal with your student debts and establish good habits that will last you a lifetime

1. Helpful Financial Information from National Debt Relief …
Money Concerns In
Your 20s: Setting Up
Your Finances Right
From The Start
Money concerns in your 20s may seem like a trivial
thing since you just got out of school. But considering
the country’s current financial situation, you may
want to start getting serious about your finances early
on. Most people are looking for financial tips for new
graduates because they are eager to set up their
finances in such a way as to avoid the mistakes that
their elders made. (Continued)
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2. Helpful Financial Information from National Debt Relief …
Millennials, or at least those who are still in their 20s have seen how their parents
and grandparents struggled with their finances. That experience definitely left its
mark and is influencing how people in their 20s are reacting to financial
situations.
According to an article published on Investopedia.com, the spending habits of
young adults are influenced by their friends, social media and the latest recession.
Studies reveal that they are inclined to follow the financial habits of their friends
and that they rely heavily on what’s happening in their social media networks.
The Great Recession significantly reduced the appeal of credit cards for the young
adults - after seeing how it nearly drove their parents and grandparents under.
Whether this is true for you or not (assuming you are in your 20s), you need to
put your prejudices aside and figure out how you should set up your finances
today. You need to start it right so that your momentum in building up your
wealth will not be hampered by mistakes that you could have avoided early on.
Typically, your money concerns can be divided into two: your debts and your
financial goals.
Dealing with your debts out of college
Let us start with your debts. Given the fact that you’re in your 20s, you know that
one of your major concerns right now is your student loans. The really bad news
about student loan debt is simple - it keeps on increasing. Chances are, you
graduated with a lot of them.
If that is the case, you need to know that dealing with your debt as early as
possible is your best option. By prioritizing this, you are lowering the interest
amount that your debt is accruing. It can also help you set up your finances so
that you do not have to pass up on financial opportunities because of your debts.
According to an article published on TIME.com student loans debt is now more
than $1 trillion and is starting to hurt the economy. Not only is it keeping
students from making personal investments, it is also causing the government
some serious budget cuts on other programs. That is so they can divert funds to
help save the delinquent student loans borrowers.
Given this, you know that other money concerns are not as great as the
responsibility you have to pay off your debt. This is true even for those that you
have incurred other debts in the past such as car d debts or personal loans.
So how could you pay off those debts? Here are some tips for you.

3. Helpful Financial Information from National Debt Relief …
• List how much you really owe. Make a list of all your debts – from student
loans, credit card debts and other debts. Write down the details of each
debt: the lender, interest rate, current balance and monthly payment. This
will help you categorize which of them requires your attention the most.
Ideally, you want to concentrate on those with the highest interest.
• Calculate your payment capabilities. If you already have a job, you need to
calculate your income to figure out how much you can afford to contribute
towards your debts every month. That way, you can figure out how to set
up your budget. If you do not have a job yet and the 6-month grace period
for your student loans is up, you need to research how unemployment
could be used to delay your billing.
• Create a budget plan. Next list your expenses and make sure that you have
enough money to pay on your debts. If it is not enough, your choices are to
earn more or cut back on your expenses.
• Research on the different debt solutions available. There are various debt relief
programs that could you use to help make your debt payments more
organized. You could use debt consolidation programs to simplify your
payment. Research those alternatives you could choose from and then
determine would be the most suitable for your specific financial
requirement.
Financial
goals
that
you
can
set
up
in
your
20s
Apart from getting out of debt, you still have other money concerns to take care of.
We have consolidated them into your financial goals. What you have to realize is
that as you get older, your priorities will change and so will your financial goals.
So be careful about how you focus on each one because while you are working on
them, they could become irrelevant.
But just to get your started, here are some of the money concerns that you can
work on in your 20s.
• Build up your emergency fund. As important as getting out of debt is that you
need to work on your emergency fund as well. That way, you do not have
to put yourself further in debt in case the unexpected happens. You can
start with $1,000 as your rainy day fund and just put more money as you
go along.
• Contribute towards your retirement. You also have to start thinking about
retirement - yes even as early as now. If you do not want to wait until you’re
80s to retire, you should start saving up for your future. The thing about

4. Helpful Financial Information from National Debt Relief …
starting early is you can make small contributions but still reach your
target.
• Raising your credit score. This is an important task for you to work on early in
your career. This is not just about having debt It is more of how you will
behave towards your debts. You need to learn how to pay off your credit
obligations properly. That is primarily, how you will raise your credit score.
• Establishing your career. This is not really a financial goal but it is still
important because it will allow you to reach your targets. In fact, most
people in their 20s are usually focused on this. Figure out what you want
to do you desire.
• Acquiring possessions. According to the MarketPlace.org, student loans, after
reaching $1.1 trillion, is starting to affect the ability of young adults to
make investments - like buying a home for instance. Student loan debt ties
up an average of $1,000 per year and any payment made towards interest
is actually a lost investment. So as difficult as this may be, you need to look
into ways to acquire possessions. Do not let your debts keep you from
doing that.
The great thing about working on your money concerns as early as when you are
in your 20s is that you will have more time to make mistakes. Not that you would
not be careful of course. You will still take your time to consider your options but
the thing is, you can afford to make risks at this point. So know your options and
start working on your finances as early as possible.

5. Helpful Financial Information from National Debt Relief …
Does this sound familiar?
• You are tired of worrying about money…
• You are losing sleep due to mounting credit card
debt…
• You are fighting with your partner about the
bills…
• You are living paycheck to paycheck…
• You are falling behind on your debts…
• You are losing hope…
It’s time to talk with National Debt Relief!
Call Toll Free 1-888-703-4948 Now!
Or Go To http://NationalDebtRelief.com