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5. Going with a $40 phone plan instead of a $100 phone plan could save you $720 this year. Make the switch.

This is pretty self-explanatory.

Pink fork

Source: Priscila Zambotto / Getty

4. A lot of plastics and storage containers are made with a harmful chemical called BPA. Consider replacing what you have with BPA-free ones.

Your homework today is to Google “BPA chemical.”

Tax Time

Source: Nora Carol Photography / Getty

3. Income tax season is right around the corner. Don’t waste yours going shopping and traveling. Be smart. Pay off debt. Save. Invest.

I beg of you, if you’re out there–do not blow your income taxes on shopping and trips the same month you get them and have nothing left come March. DO-NOT-DO-IT. You’ve been talking about the come-up season all year–this is your chance.

African American Female Graduate

Source: Scott Quinn Photography / Getty

2. By going to college you can earn more than someone who just has a HS diploma?

I’ve got a lot of friends who don’t even have their high school diploma. They ask me how can they get their life on track? I tell them go get their GED. That way, noone can deny you employment because you don’t have it. The next thing I advise them is to go enroll in a community college and work towards their Associate’s degree. There’s plenty of data out there that suggests that you can make more money with a college degree than I HS diploma. Is college for everybody? No–but all I can say is you don’t want to be the one that has to constantly work and struggle through life because you refused to get an education and little piece of paper.

10 Ways to Improve Your Health & Wealth In 2018  was originally published on thebeatdfw.com

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