The document discusses tips for making smarter money decisions shared during a #creditchat featuring Carl Richards, focusing on his book 'The One-Page Financial Plan.' Key themes include understanding the emotional aspects of personal finance, recognizing common financial mistakes, and emphasizing the importance of setting goals and planning. It encourages continuous learning and adapting financial habits for better management of money.

1. How to Make Smarter Money Decisions
#CreditChat
Wednesdays | 3 p.m. ET
Featuring: Carl Richards @BehaviorGap

2. Join our #CreditChat every Wednesday at 3 p.m. ET. This week,
we talked to New York Times columnist, Carl Richards, about
his new book The One-Page Financial Plan - and we learned
how to make smarter money decisions.
“ Check Out All the Tweets and Resources:
ex.pn/carlr

3. Wednesdays | 3 p.m. ET
#CreditChat
Wednesdays | 3 p.m. ET
Wh tax mistakes that are easy to make?Why is it easy to make irrational decisions when it comes to
money?
#CreditChat
Wednesdays | 3 p.m. ET

4. Personal finance is 10% math and 90% emotion. If we
grasp that, we can make more rational decisions.
Tweet by @DebbiKing
#CreditChat

5. We often have a hard time separating “need” from “want”--
knowing the difference can promote better financial habits.
Tweet by @emergebenefit
#CreditChat

6. Humans are emotional creatures, and many of us have a
complicated relationship with money.
Tweet by @KaliHawlk
#CreditChat

7. Wednesdays | 3 p.m. ET
#CreditChat
Wednesdays | 3 p.m. ET
Wh tax mistakes that are easy to make?Why does emotion play a big role in how we think about/use
money?
#CreditChat
Wednesdays | 3 p.m. ET

8. A lot of emotions about money stem from belief systems that are
passed down to us or that we picked up from others.
Tweet by @Lenda
#CreditChat

9. Some people receive a positive emotional response when they buy
something new. Spending, to them, is a way to feed this.
Tweet by @LeslieHTayneEsq
#CreditChat

10. Wednesdays | 3 p.m. ET
#CreditChat
Wednesdays | 3 p.m. ET
Wh tax mistakes that are easy to make?What are some common financial mistakes we make?
#CreditChat
Wednesdays | 3 p.m. ET

11. Mistake Numero Uno: Spending more than we make.
Tweet by @HerOwnNet
#CreditChat

12. The biggest mistake:
Not looking at your total cash flow month to month.
Tweet by @WelshKristy
#CreditChat

13. Overspending, relying on credit cards and making minimum
payments = huge financial mistakes that keep you in the debt cycle.
Tweet by @Payoff
#CreditChat

14. Wednesdays | 3 p.m. ET
#CreditChat
Wednesdays | 3 p.m. ET
Wh tax mistakes that are easy to make?How should we approach fuzzy financial topics that we don’t know
much about (e.g. investing)?
#CreditChat
Wednesdays | 3 p.m. ET

15. Tweet by @HerOwnNet
helps me tend to my worries. Knowledge is empowering.
#CreditChat
Any time I feel anxiety about a financial topic, I find that research

16. Always break down education and goals into smaller steps.
Conquer one thing at a time. Celebrate your wins along the way!
Tweet by @Marybstorj
#CreditChat

17. Wednesdays | 3 p.m. ET
#CreditChat
Wednesdays | 3 p.m. ET
Wh tax mistakes that are easy to make?
What encouragement do you have for those who feel they’ve
made too many money mistakes?
#CreditChat
Wednesdays | 3 p.m. ET

18. It’s never too late to get on the right track!
Tweet by @DadisCheap
#CreditChat

19. It doesn’t matter what happened yesterday.
Start fresh today and give it all you’ve got.
Tweet by @emergebenefit
#CreditChat

20. Mistakes are NOT failures unless you don’t evaluate
them and understand what went wrong.
Tweet by @KaliHawlk
#CreditChat

21. Wednesdays | 3 p.m. ET
#CreditChat
Wednesdays | 3 p.m. ET
Wh tax mistakes that are easy to make?
What are some steps we can take to create a financial
plan that matters to us?
#CreditChat
Wednesdays | 3 p.m. ET

22. To create a financial plan, think about your future and what you
would like to happen that fits within your goals.
Tweet by @MoreThanWheels
#CreditChat

23. 1. Have a goal. 2. Make a plan. 3. Enact this plan.
4. Review each month where you’re at. Rinse and repeat.
Tweet by @WelshKristy
#CreditChat

24. Look at ALL your expenses and focus on your
goals. Where can you cut back? How can you make more?
Tweet by @_MoneySavingPro
#CreditChat

25. Wednesdays | 3 p.m. ET
#CreditChat
Wednesdays | 3 p.m. ET
Wh tax mistakes that are easy to make?
How should we deal with the unexpected financial events
in our life?
#CreditChat
Wednesdays | 3 p.m. ET

26. Have an umbrella (emergency fund) handy, because it will rain!
Tweet by @DebbiKing
#CreditChat

27. Expect the unexpected! Protect yourself, your stuff, and your
assets BEFORE something goes wrong.
Tweet by @KaliHawlk
#CreditChat

28. Wednesdays | 3 p.m. ET
#CreditChat
Wednesdays | 3 p.m. ET
Wh tax mistakes that are easy to make?
Any final tips to help us make smarter decisions with our
money?
#CreditChat
Wednesdays | 3 p.m. ET

29. Making better financial decisions starts with education and
getting comfy with the idea of money as a tool.
Tweet by @KaliHawlk
#CreditChat

30. A common mistake when budgeting is trying to do too much at once -
just like a crash diet. Break it up into smaller goals.
Tweet by @emergebenefit
#CreditChat

31. When it comes to your money, there are no stupid questions. Ask, ask
and ask until you have clarity and confidence.
Tweet by @Marybstorj
#CreditChat

32. It isn’t as difficult as it seems. It might take a while, but
changing your money habits is SO worth it!
Tweet by @PiggieBanker
#CreditChat

33. #CreditChat
Wednesdays | 3 p.m. ET
Check out all the resources and tips shared:
ex.pn/carlr

34. #CreditChat
Wednesdays | 3 p.m. ET
Join Us Every Wednesday at 3 p.m. ET.
bit.ly/join-creditchat

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