TFD's 10 Commandments


Always have a budget, no matter how much money you have. If you don’t know where your money is going, you’ll never be financially healthy.


Know your credit score, know your investments, know your debts. Be able to clearly picture your money landscape in your mind, and to know where you stand.


Buy fewer things more intentionally. Focus on quality, versatility, and usefulness, instead of instant gratification.


Think of your spending in terms of goals and make your day-to-day decisions based on the long term. A designer coffee every day, or a flight to Europe in nine months?


Make indulgences and splurges a part of your financial life, but treat them as the rare, exciting thing they are. Too many treats aren’t treats anymore, they’re a lifestyle.


Learn how to cook, to repair, and to make things for yourself when possible. Invest in your skill sets as much as your bank accounts.


Always have a side hustle, an emergency fund, and a Plan B. Diversification means security.


Ask where you want to be in six months, two years, and ten years. Ask yourself what you can do today to make it happen.


Remember that happiness is a byproduct of freedom. Work to give yourself options, not things.


Just like eating a slice of cake doesn’t ruin a diet, spending too much one weekend doesn’t ruin a financial diet. Guilt isn’t productive, but getting up and doing better tomorrow is.

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