Smart Sense: Know your Financials

It seems that some people are great with money, and others... well, that's a toughy. Sometimes I'm in shock at how much people spend, wondering if a) do they really make that much? or b) are they going to be working when they're 90 because they clearly aren't saving any money? If you make that much, tell me your profession. I could use a job! Otherwise, it's time to get a grip of your financials.

My husband and I just took advantage of the web site AnnualCreditReport.com and you should, too. While it doesn't give you your credit score, it tells you all sorts of cool and interesting stuff, like how much you owe (ok, not cool but good to know), any outstanding or negative scoop and even which companies have been checking you out. Apparently Victoria's Secret thought I was pretty special around April 2010! Fun to know that, huh? The big three credit reporting agencies credit reports are required by federal law to furnish this information so take advantage. Maybe there's some false info out there on you... only one way to know!

Remember, The Average Girl's Guide is not about being average, it's that we're all typical girls who need to look out for each other! The clothing deals are probably more fun, but we want to retire by age 65, drinking cocktails and lounging by the pool. Not working who knows where at 87! So this Friday, go for happy hour, forgo that blouse you really don't need and feel damn good that you're putting a few extra bucks toward retirement.