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*Each week, we ask a personal finance or business expert for their money pro tips. This week we talked to Brittany Robb, licensed Policygenius adviser.*
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Money thing you’re most proud of: I graduated college debt-free by working throughout each semester to pay for the next.
Current money goal: I want to buy a house, but realistically, I’m saving for a condo.
How you’re working towards it: A large portion of my paycheck goes to a high-interest account I am only able to withdraw from twice a year. Seeing the money add up is really motivating.
Last thing you splurged on: Shoes. It’s always shoes and dresses.
Why’d you OK the splurge? I think saving is a lot like dieting in that if you’re too strict, you’ll end up making bad decisions. Plus, they are classic, and I’ll get a lot of use out of them.
Best financial advice you ever got: Only charge it if you can afford to pay it off immediately.
Worst financial advice you ever got: I find the “snowball method” — the debt reduction strategy in which you pay off bills in order of smallest to largest — infuriating, since you aren’t focused on bringing down your debt with the highest interest.
No. 1 money tip you give to people: Pay down your debt, starting with the one with the highest interest. And, if you are holding a balance, always consider the interest you will be paying as a part of the cost of an item.
How do you budget? I have a few accounts that split up my direct deposit so that it doesn’t feel optional, and I pay my credit card each month so I know exactly what I’m spending.
Last thing you resisted buying: A flight to Paris.
How did you resist it? I waited too long and the price increased. Once I know the lowest I can pay, I’m pretty non negotiable on paying more.
What would you do with a $1 million windfall? I would invest in real estate.
Image: Nastia Kobzarenko
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