Financial responsibility is an important part of adulting that is complex and often scary for many millennials. With a lack of education around financial literacy, it’s easy to begin practicing bad habits. My sister and I recently took an online course on building and maintaining healthy credit that reinforced lessons we heard our dad share on repeat over the years and added some knowledge and tricks that were unknown.

According to Tiffany Aliche, also known as the budgetnista, “bad credit makes for an expensive life and although you can’t build your credit overnight the fastest way to success is action.” Before starting to build credit or continuing down the wrong road the information and best practices shared here will give you an introduction to credit and help lead you down the path toward a healthy financial future.

Bills come like clockwork every month, and budgeting helps me to maintain control of my finances. Although I can't avoid rent, electricity and utilities payments, I find joy in taking advantage of opportunities to invest in things of importance to me and including them in my budget. Here are three areas of my life I invest.