{"id":35118,"date":"2016-01-06T05:15:12","date_gmt":"2016-01-06T13:15:12","guid":{"rendered":"https:\/\/lenpenzo.com\/blog\/?p=35118"},"modified":"2016-01-09T08:57:24","modified_gmt":"2016-01-09T16:57:24","slug":"five-big-money-regrets-and-how-to-conquer-them","status":"publish","type":"post","link":"https:\/\/lenpenzo.com\/blog\/id35118-five-big-money-regrets-and-how-to-conquer-them.html","title":{"rendered":"Poll: The 5 Biggest Money Regrets of 2015 &#8212; and How to Conquer Them"},"content":{"rendered":"<p><a href=\"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2016\/01\/regrets.png\" rel=\"attachment wp-att-35249\"><img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-35249\" src=\"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2016\/01\/regrets-1024x821.png\" alt=\"regrets\" width=\"375\" height=\"301\" srcset=\"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2016\/01\/regrets-1024x821.png 1024w, https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2016\/01\/regrets-300x241.png 300w, https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2016\/01\/regrets-768x616.png 768w, https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2016\/01\/regrets.png 1111w\" sizes=\"auto, (max-width: 375px) 100vw, 375px\" \/><\/a>I&#8217;m confident that this time last year, scrawled on your list of New Year resolutions, was a sentence relevant to at least one of these four phrases:<\/p>\n<ul>\n<li>&#8216;save money&#8217;<\/li>\n<li>&#8216;stop spending&#8217;<\/li>\n<li>&#8216;get out of debt&#8217;<\/li>\n<li>&#8216;stick to a budget&#8217;<\/li>\n<\/ul>\n<p>According to a recent finder.com survey of almost 2,000 respondents, money related resolutions are one of the most frequently cited among US citizens, and typically, infrequently conquered.<\/p>\n<p>So, before you reevaluate your life choices and make resolutions that&#8217;ll falter by February, dedicate five minutes to this brief article; it will provide perspective and help make your financial goals a little more attainable.<\/p>\n<p>As last year drew to an end, Americans shared their most prominent <a href=\"http:\/\/www.finder.com\/biggest-money-mistakes\">monetary mishaps<\/a>. The regrets plaguing US citizens in 2015 included failing to complete college, letting your partner control your finances, having children, spending too much on weddings and falling victim to a online scams. I&#8217;ve outlined alternatives for each so you don&#8217;t have to deny yourself an education, a partner, children, marriage and nonchalant online activity in order to achieve financial satisfaction:<\/p>\n<p><strong>Failing to complete college<\/strong><\/p>\n<p>Twenty-one percent of those we surveyed disclosed their biggest money mistake was not completing their degree. To scale, that&#8217;s 67 million Americans regretting not having completed the entirety of their education. With continual increases in tuition, more students are having to take out loans &#8212; with the average loan being $22,700, it&#8217;s not surprising many respondents credit student debt as a contributor to their anguish.<\/p>\n<p>There&#8217;s <a href=\"https:\/\/lenpenzo.com\/blog\/id15280-4-smart-reasons-why-college-isnt-for-everyone.html\" target=\"_blank\">no point in completing a degree<\/a> that won&#8217;t allow you to earn a wage that easily pays off the loans you&#8217;ve relied on, so consider cheaper options. For example:<\/p>\n<ul>\n<li>Is community college capable of producing the same results as an expensive campus?<\/li>\n<li>Does your field value practice over theory? If so, see if your chosen career path even requires a degree<\/li>\n<li>Be aware of official withdrawal dates; that way, if you start a course with less-than-stellar grades, you can leave without being subject to additional costs<\/li>\n<\/ul>\n<p><strong>Letting your partner control your finances<\/strong><\/p>\n<p>Nearly 1 in 5 Americans regret providing their other half control over their finances. Relying on another individual to handle such responsibility is a frivolous mistake. Both parties should be involved in financial considerations, it&#8217;s a core awareness &#8212; key to understanding where your revenue flows and falters.<\/p>\n<ul>\n<li>Dedicate a night to budgeting together. Record your expenses, predict your investments and monitor your progress as a couple, endeavor to set recurring dates and hold these sessions frequently<\/li>\n<\/ul>\n<p><strong>Having children<\/strong><\/p>\n<p>The cost of raising a child remains relatively low for the first few years, so it&#8217;s easy to discount the not-so-distant increase in expenditures.<\/p>\n<p>Once your kids learn to walk, you&#8217;re on the hook for more broken items in your home and repairing their broken bones. So prepare for the unexpected, rather than the tedious, recurring costs.<\/p>\n<p>Then there&#8217;s orthodontia: <a href=\"https:\/\/lenpenzo.com\/blog\/id23645-why-im-making-my-daughter-pay-for-her-dental-braces.html\" target=\"_blank\">Braces. Are. Expensive.<\/a><\/p>\n<p>Exactly half of our polled parents believed having children was their biggest financial mistake. Consider the amount of years until your child will assumably be self-sufficient and be sure you&#8217;re prepared for unforeseen expenses. For instance:<\/p>\n<ul>\n<li>Speak to other parents around you, preferably with children of different ages, and gauge their unforeseen financial costs<\/li>\n<li>Begin saving on everyday items, browse coupons before embarking on the weekly grocery shop, shop around and compare providers before making a purchase<\/li>\n<li>If you haven&#8217;t already, open an account in your child&#8217;s name and start investing weekly amounts. Use that account only when desperate and only for your child&#8217;s needs<\/li>\n<\/ul>\n<p><strong>Spending too much on a wedding<\/strong><\/p>\n<p>Over half of the male respondents and just under half of female respondents reported <a href=\"https:\/\/lenpenzo.com\/blog\/id1223-your-big-fat-expensive-wedding-stupid-is-as-stupid-does.html\" target=\"_blank\">spending too much on their wedding<\/a> as one of their biggest financial mistakes. If you&#8217;re getting married in 2016, there&#8217;s a bunch of smart moves can play in order to avoid fretting over money before, during and after the biggest day of your life. Here are just a couple:<\/p>\n<ul>\n<li>Announce the invite with a phone call instead of having designer paper sent to all the guests<\/li>\n<li>Replace table flowers with supermarket herbs nestled into different sized bottles (such as empty sauce and condiment jars)<\/li>\n<\/ul>\n<p><strong>Falling victim to an online scam<\/strong><\/p>\n<p>Despite a growing awareness due to considerable media attention, online scamming is still in abundance. Eight percent of our survey respondents claimed that falling victim to an online scam was their <a href=\"https:\/\/lenpenzo.com\/blog\/id618-nobodys-perfect-my-10-dumbest-money-mistakes-part-1.html\" target=\"_blank\">biggest money mistake<\/a>. To avoid a similar fate:<\/p>\n<ul>\n<li>Don&#8217;t click anything that flashes bright colors or words at you, don&#8217;t be conned into believing you&#8217;re receiving a monetary reward for browsing the web, don&#8217;t trust an online personality and definitely don&#8217;t transfer money to someone you haven&#8217;t met in person<\/li>\n<li>When buying from a new online site, have a second person confirm the legitimacy<\/li>\n<li>Employ one card for all online transactions and only transfer money into it for the purpose of a purchase<\/li>\n<li>When you&#8217;re not shopping online, ensure your dedicated card is empty in case you accidentally provide a sketchy site with your details<\/li>\n<\/ul>\n<p>So cheers to the New Year, to an increase in financial awareness, to a higher success rate of those achieving realistic resolutions, and to a decrease in 2015&#8217;s most cited money mistakes.<\/p>\n<p>***<\/p>\n<p><em>About the Author: Fred Schebesta is the CEO of newly launched financial comparison website <a href=\"http:\/\/www.finder.com\/\">finder.com<\/a>. You can reach <a href=\"http:\/\/www.linkedin.com\/in\/internetmarketingsydney\">Fred on Linkedin<\/a> or on Twitter at <a href=\"https:\/\/twitter.com\/schebesta\">@schebesta<\/a><\/em><\/p>\n<p style=\"text-align: right;\"><span style=\"font-size: smaller;\">Photo Credit: kira_westland<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>I&#8217;m confident that this time last year, scrawled on your list of New Year resolutions, was a sentence relevant to at least one of these four phrases: &#8216;save money&#8217; &#8216;stop spending&#8217; &#8216;get out of debt&#8217; &#8216;stick to a budget&#8217; According to a recent finder.com survey of almost 2,000 respondents, money related resolutions are one of [&hellip;]<\/p>\n","protected":false},"author":85,"featured_media":35249,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mo_disable_npp":"","pmpro_default_level":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[457,458,459,465,467],"tags":[],"class_list":{"0":"post-35118","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-college","8":"category-credit-debt","9":"category-family","10":"category-ripoffs","11":"category-shopping","12":"pmpro-has-access","13":"entry"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.8 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Poll: The 5 Biggest Money Regrets of 2015 -- and How to Conquer Them<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/lenpenzo.com\/blog\/id35118-five-big-money-regrets-and-how-to-conquer-them.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Poll: The 5 Biggest Money Regrets of 2015 -- and How to Conquer Them\" \/>\n<meta property=\"og:description\" content=\"I&#8217;m confident that this time last year, scrawled on your list of New Year resolutions, was a sentence relevant to at least one of these four phrases: &#8216;save money&#8217; 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