Daily Adulting, San Diego, CA (2026)

08/12/2021

Having and maintaining a credit score is a major component of your adult life. This is why it is important for you to understand what it is and how to check it!😎

When you first start out, your credit score will fluctuate with every payment and new debt you get. 📈📉As you establish your score, these fluctuations occur less often. As a result, you want to make sure you are diligent about having a good score when you start as it will be tougher to change it significantly later on!

How is it calculated?
1. 🌎History - 1 missed payment can hurt your score a lot. Make sure to make all your payments!
2. 💳Credit utilization - let’s say your credit limit is $10,000 and you have $4,500 on your card. Your current credit utilization is 45%. While this is not bad, you want to keep this below 30%.
3. 🏦Average account age - keep your accounts open as long as possible, even if you aren’t using them.
4. 🚗🏠🚌Credit Mix - lenders want to see you have good payment history with all types of accounts (CC, car loan, mortgage, etc)
5. ❓❔❓New inquiries - how often are you asking to borrow money? The more often you are, the higher a risk you are to a lender.

Keep all these in mind and you will know how you can maintain and improve your score!📈

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08/08/2021

What is a credit score?!? 🤔 Can you even have a credit score while your in high school? What are some ways for me to increase my score?

❓There are a lot of questions surrounding credit scores and even more confusing information presented on social media. We will be spending the next week covering some of the basic questions relating to credit scores and why it is important for you to maintain!

Leave us a comment if you have any specific questions that you would like us to cover!

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08/05/2021

Start of the month checklist! If you think about how many adulting tasks we have to do, it’s soooooo much. So use this as a friendly reminder of some of the things you probably should be doing every month (EM), bi-monthly (BM), every 6 months (HY), and looking forward (PA). This is definitely not an exhaustive list but it is a great starting point!

School is starting up soon. Are you ready for it?

What do you do that we didn’t include? 🤔 DM us or let us know below! 👇

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# cleaningout

07/23/2021

Having a pet brings a lot of joy and happiness into your life. Here are some benefits of having a pet:

1. 🩸Lower Blood Pressure - it has been shown to calm people down!
2. 🙁Lower loneliness - if you have a pet, they are sure to keep you company!
3. 🏃‍♀️Exercise Opportunity - If you get a dog or horse (or another outdoor pet), they need exercise which will force you to exercise too!
4. 🗣More socialization- dogs need to be around other dogs and people, this will put you in more socialization circles such as dog groups!
5. 🤓Increased level of responsibility - having a let makes you have to take care of another living creature. This will teach you responsibility and help you out with other things in life!

These are just a few benefits, but there are more that you may find when you get your own pet!

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07/21/2021

Getting a pet is a huge decision and comes with a lot of responsibility. Ask yourself these questions before picking a pet so you can enjoy every moment with them!

1. Do you have enough time for a pet?
Taking care of a pet is a daily task, make sure you have the time to feed them and give them the exercise they need!

2. Do you have enough space for a pet?
Getting a large dog and having a small apartment may not be the best idea. Additionally, you need to make sure your landlord allows pets!

3. Do you enough money to maintain a pet?
Pets cost money, that is the reality. Past the initial cost, there is vet bills, food, treats, and boarding / pet sitting costs to name a few.

4. Do you have the patience for a pet?
Having a pet can be challenging, especially when they have not been trained! Even after training, they can test your patience if not trained properly. Make sure you understand this before getting a pet!

5. Do you want to change your current lifestyle?
If you get a pet, you won’t be able to drop everything to fly somewhere for the weekend. You will have to make the right accommodations for your pet or take them with you!

Once you answer these questions, do your research to determine which let will be best for you!

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07/18/2021

Then we have to get all our responsibilities figured out again! It’s a never ending process!

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07/18/2021

💰Then pay off your credit card immediately with the cash / money in your checking account immediately.

💳Using a Credit card can help protect you from scammers and get you more rewards (depending on the card you have). Don’t go into debt just to go on vacation, use money you have saved up and stick to your budget!

Here how you can do it:
1. 📝📆Plan out your vacation well in advanced and determine how much it’s going to cost you / what you want to spend.
2. 🏦Begin saving up immediately. Make debt your priority, and go on smaller vacations if you need to while you tackle your debt. Once your debt is gone, you can go on even better vacations!
3. 💳Make all the purchases before and during the vacation on your credit card. This will give you protections from scammers and help if you get your money back if your card number gets stolen.
4. 💰👍Pay it all off immediately with the money you’ve saved up! Stick to your budget and don’t go further into debt.

This is just a general suggestion on how to make purchases. If you struggle with spending money using your credit card, be careful using this method. Understand your financial situation and make the appropriate decisions!

Which rewards card do you have / would you prefer? (Miles, cash back, or points)

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07/17/2021

With COVID restrictions starting to relax (kind of), people are taking vacations that they were not able to last year. ✈️ The demand is up and so is the price, so scammers are taking advantage offering fake deals! Keep an eye out for these vacation scams:

1. 💬Text messages asking you to claim your travel prize or check your travel itinerary.
2. 🤖RoboCalls from “Major Travel and Rental Companies”
3. 🙌Winning a free vacation! (For a small fee)
4. 🏠Vacation Rental Fraud

These are all legitimate scams where the prime purpose is to steal your money and information. However, there are more that we’re not covered here, use these tools to avoid getting scammed:

1. 💳Credit card only - no debit, prepaid gift card, cash, or cryptocurrency!
2. 🙋‍♂️Don’t give out personal information!
3. 📝Look for spelling and grammar errors!
4. 😟Don’t feel pressured to purchase now!
5. 👍Use reputable and well-known companies only!

Check out our last slide to see what things you should do if you do get scammed!

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07/15/2021

Decisions, decisions…🤔

Which would you choose?

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07/14/2021

Not a glamorous part of travel, but definitely something you should consider! ✈️Remember, it is completely optional! Travel Insurance can cost upwards of 10% depending on the packages you get. So is it worth it?

Here is what we recommend:

Domestic Travel - 🇺🇸
Probably not worth the cost if you don’t have a lot of money to spend. Normally, your medical insurance will cover medical issues, credit cards cover certain travel expenses, and airlines cover baggage damage. It is nice to have if something happens, but if it does you either 1) haven’t spent as much as you would travelling internationally and 2) more coverage from other things.

International Travel - 🌎
Definitely something to consider! Even if it is just for the medical coverage. If you were to need a medical evacuation that could cost up to $100,000 (or more) and it is not normally covered by your country or your medical insurance. The other coverages are also good to consider because you have spent a lot more money than domestic travel.

Do you think it is worth it?

Blog post later today to elaborate more on the coverage!

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07/14/2021

Use these Travel Tips & Checklists next time you go out of the country! 🇺🇸🇬🇧🇦🇺🇧🇪🇮🇳

1. 💴🎟Purchase Tickets - Depending on which country you live in, there is a certain time period before your trip when tickets will be cheapest. Do not shop too early or too late, and avoid purchasing tickets around holidays!

2. ❌ Post 📸- When you post pictures on your social media immediately, you are advertising that no one is home leaving an easy target to rob. Snap away while you are there and post when you get home!

3.🥱Bigger Activities - Jet Lag is a real thing! Don’t plan bigger events too early in your trip because you may still be tired from the trip. Don’t plan them too late to avoid being tired on your trip back!

4. 💴Tipping - It is a common courtesy to know how much a tip should be in the country you are visiting. It is not the same everywhere (US = 20%, UK = 10% - 15%).

5.👻Scams - Tourists are easy targets for locals with bad intentions. Have a plan before you get there and trust your gut. If something doesn’t feel right, don’t do it!

Checklist:
1. ©Copies - Make a copy of all your important documents, worst case scenario you lose everything, you still have copies at home!

2. 📀Clear Storage - Don’t want to show up and have no space for pictures. Delete the excess or clear storage before you go!

3.🏯Embassy - When you are in a foreign country, your Embassy is the first point of contact for any emergencies. Even if you don’t give them your travel plans, know where they are and the pertinent contact information.

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😂

07/13/2021

Use these travel tips to make your next trip a little smoother! 😎

Air ✈️
1. TSA PreCheck - US
Global Entry - US citizens and select countries.
Skip the long lines at security with these checks. They cost a little money and take time to get, but they will be worth it if you travel a lot. These are US established things, what do you have in your country?
3. 🧥Hoodie / Jacket / Blanket - doesn’t matter what the temp is outside, it still gets cold in the plane!
4. 🍾Alcohol on planes - check out what the TSA says for the US, check you countries requirements! https://www.tsa.gov/travel/security-screening/whatcanibring/items/alcoholic-beverages

Car 🚗
1. 🔎Inspect - don’t want to end up on the side of the road or in a mechanic shop while on vacation!
2. 🧳Pack non-essentials 1st: don’t bury what you need under stuff you don’t need until you get there!
3. 🎒Small Bag - pack 1-2 days of clothes and toiletries in this bag so you don’t have to take your massive luggage in with you every time!

General
1. Vacuum bags- you can pack so much more!
2. 📲Entertainment- this is crucial if you have kids or are going on plane trips! WiFi on planes can cost $20 or more per flight!
3. 💧Stay hydrated - so everyone doesn’t get cranky because they don’t feel good!
4. 🔋Extra battery life - crucial again if you have kids or are going on a plane trip! Don’t want to fight for charging space or lose battery midway through you trip!
5. 🧴Don’t pack liquid soap / toothpaste - gives you a little peace of mind that nothing will end up all over your bag!

What travel tips do you know of?

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Daily Adulting

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