When you’re young, the idea of being financially irresponsible is scary.
But in the long run, it’s actually not as bad as you might think.
You can get rid and save money for the future without having to pay a ton of money down.
That’s the view from a new financial advice guide from the National Financial Advisor Association (NFAA), which says that if you’re younger than 30 and your debt is no more than $5,000 per month, you’re good to go.
The guide recommends you save at least $10,000 annually on your debt and get at least 20 percent of your income from savings.
It also suggests you get a home equity line of credit, an investment account and other ways to lower your debt, such as refinancing your student loans.
Here’s how to get started.
The NFAA is a nonprofit that promotes financial education and advice.
The group is based in Columbus, Ohio, and the NFAA has offices in 15 states.
It was founded in 1985 by Michael F. Kennedy, who served as president of the National Association of Credit Unions.
The organization says it is dedicated to advancing the principles of debt-frugality, self-sufficiency and personal responsibility.
It recommends the following debt-friendly debt-reduction strategies: Invest in savings that can grow your net worth, such in a personal savings account.
A combination of investments in bonds, stocks and mutual funds can help pay down your debt.
Invest in low-interest savings accounts that can pay off your mortgage.
Get a home, and pay down debt by buying a home with a mortgage.
The National Mortgage Association says that when it comes to saving money, a $1,000 down payment on a home can save you $8,000 in interest.
And a $100,000 mortgage can help you pay off $1 million of debt.
In retirement, a savings account can be a nice way to reduce your debt by lowering your monthly expenses.
It’s also a great way to lower the interest rate on your loans and your monthly payments.
And you can always borrow to pay for expenses that you can’t or won’t pay for.
Investing in small-dollar savings accounts can also reduce your monthly bills, and even save you money when you buy a home.
You could also invest in small business loans to reduce the risk of losing your business.
And the NFPA says that by taking out an investment loan, you can help your family pay down their mortgage.
What about debt-for-kids?
There are a few things you can do to lower debt.
If you have kids, you could try to get them to save for their own education and their own future.
If your child has a college student loan, get the money paid back before they graduate.
The student loan program is also known as the federal student loan forgiveness program.
If that doesn’t work, you may want to consider paying off a down payment or refinancing a mortgage with the government.
If it doesn’t go to your child, consider getting the money repaid from a college savings account, a qualified credit card or other financial device.
There are also ways to get a tax refund or tax credit for some of your tax bills.
You might want to ask your state government for help if you don’t qualify for any federal tax breaks.
It may be possible to use tax-free student loan deferral to reduce some of the interest on your student loan.
Or you could also apply for a refund to your student debt from your state.
Here are some tips to help you stay in good financial shape.
When it comes time to save up for retirement, you should also consider getting a mortgage for your home.
In addition, there are a number of ways to reduce debt if you have a child.
You may want your child to have a mortgage, or get a credit card.
There’s also an alternative way to save money: pay off a student loan through a home purchase.
It can be an option if your student account is in good standing, and you want to take advantage of some of those savings.
You should also think about getting a downpayment on a down-payment on your mortgage to pay off that debt.
The American Mortgage Association has a number different ways to help lower your monthly mortgage payments.
You also can consider refinancing at a low interest rate.
The Federal Housing Administration (FHA) offers refinancing options to help pay off student loans and other debt.
Interest-only loans that have a 2 percent downpayment can be refinanced with a 0.5 percent down payment.
This could reduce the amount of your monthly payment.
If the amount you owe is less than your mortgage, you will pay less interest on the refinancing.
The federal government offers tax-deferred repayment plans that help people with student loans repay their debts.
For example, borrowers can defer their federal student loans for up to 15 years and refinance their student loans at a