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I’ll never be rich and it’s hard to imagine ever being 100% debt free, but I know I’ll get closer to that in time.Over the past decade, I’ve watched my score go from the 500s (pretty low and sad) to the mid-700s (very respectable) due to paying on time, learning a lot about how credit works, and monitoring my credit score and reports.In reality, the only way to build good credit is to use it, say by taking out a loan or opening a credit card.Opening a basic card in college—assuming you pay it off in full each month—can help you qualify for better cards with higher rewards (think cash back and airline miles) post-graduation.
A coffee here, a concert ticket there, and you might find you’ve blown through your bank account halfway through your first semester.
Or you can try an app like Mint to help you budget, set goals, and track spending. Studies show 41% of millennials have student debt, which is forcing them to delay life events like marriage and buying a home at higher rates than previous generations.
If that sounds like too much of a drag, remember that you can budget in treats to reward yourself for being responsible. That said, being educated about your options both before you take out loans and after you graduate can make a world of difference in terms of your freedom and future job choices.
In fact, the late teens and college years are a crucial time to establish a good credit history and develop the smart habits that will help build wealth over the course of a lifetime.
Here are 10 truths about money that you should learn by age 20—and carry with you through adulthood. You can build credit history without racking up debt.
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If you are over the age of 18 and have not yet applied for your first credit card, this is for you.