FinLit

Before you hit the highway or take to the tarmac, it pays to get your money matters in order, too. Here’s a checklist of money to-dos that will ensure your next trip goes off without a hitch:

1)  Contact your credit card company.

2)  Research transit options from the airport.

3)  Know your ATM options before heading overseas.

4)  Get the 411 on foreign tipping.

5)  Come up with a plan for data usage.

6)  Look into claiming VAT refunds overseas.

7)  Consider purchasing travel insurance.

If you’re a millennial who is struggling financially, the following tips can help put you on the right track toward a successful financial future:

1) Make income your priority.

2) Have a plan for the future and take it for a test run.

3) Making some sacrifices to keep your biggest bills as low as possible.

4) Create a strategy for your student loans.

5) Prioritize your interest rates.

6) Invest in your future.

7) Take advantage of perks such as 401(k) match programs, health savings accounts and commuter benefits.

8) Invest in one or two stocks of companies that offer products or services that you think will still be important 20 years from now.

9) Find a mentor.

Starting your own business can be a ticket to the good life, where you decide when and where to work and set the rules. But some people struggle because they aren’t prepared for the change in mindset they need to thrive. Here’s how to succeed:

1) Build momentum and act on your vision at some point.

2) Don’t quit your day job, start your business as a side gig first if you can.

3) Create the right image—on a tight budget.

4) Win clients through public speaking in your area of expertise.