Personal Finance and Credit

The talk given to us on personal finance and credit was a lecture that every young person should here. In fact a lecture of this nature should be introduced at a younger age like beginning of high school or younger, the typical an individual starts making their own money. I have had a bank account my whole life and have added money to it every now and then, only taking small amounts out at limited times. I did this just because I wanted to save money but from this lecture I learned that I have very low credit. I wasn't to sure what credit was all about but now I have learned that it is extremely important for your financial future. I learned that it is always important to spend what you have and not what you wish you had. If you owe money it is important to pay it all as soon as possible to maintain a better record. I'm not too worried about my future because I have started in the right direction without even knowing it. Now that I know the importance of credit I have even more incentive to be mindful of my expenditures. 

A valuable website for young people to control their credit is http://www.youngmoney.com/money_management