Whats in your wallet Wednesday?

 As a teenager and soon to be young adult, money is very important thing to have. Today, I received my debit card from TD Bank which was exciting for me for the simple fact that TD Bank is very convenient and reasonable. Additionally, I currently have a bank account with Wells Fargo and can be a pain at times.Unlike most people, I do monitor my online banking and have noticed some fees that seemed kind of bizarre like an excessive spending fee.....boink $15 on the charge! >.<. I went to the bank to have this non sense sorted out and explained to me thoroughly cause this wasnt going well for a sistah lol. Thanks to the kindness of the representative I had the fee reversed and an explanation on what happened. With this being said, I would like to encourage teens to save money and prepare for the future along with myself with some tips that I have listed below. :)
                         TIPS ON HOW TO SAVE DOUGH AS A TEEN

• Try to save half of what you receive. Personally my mum taught me the 80/20 rule which is deposit 80% of your check into the bank and use 20% for personal use
• Try to start saving young. Its paying off for me and Im glad I started when I came into High School its amazing to have money
• If you know you cannot handle large amounts of pocket money, do the safe and honest thing and deposit most of that money even if you think you are responsible enough, continue to try and  make deposits, and remember to keep only as much money as you could reasonably need for the day
• Use debit cards insted of credit cards. Credit card companies have a tendency to target college students because of their tendency to spend spend spend but get overwhelmed when its time to pay back. Credit Card companies love this scheme in hope of getting you to make late payments so they can stack on interest, leaving you paying more than you really should  be