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12 Financial Tips for Women

Updated on April 21, 2012

Women need to know how to handle their money regardless if they are single or married.

While many women do not feel that they need to know how to handle their funds, with the amount of single person families out there due to divorce or death, it is important to know how to use money. Unfortunately, many women feel that money is evil and someone else will take care of them. This is not the case and is exactly the reason that women need to know what is going on.

1) Do not rely on others to make sure you are financially secure. Only you can make sure you have savings.

2) Create goals and figure out how you will attain them.

3) Do not spend money to feel better. This feeling will only last a few minutes and you will be out the money.

4) Make sure you spend less than what you make – create a budget if you do not have one.

5) Get a better job – this may involve some further education but it will be worth it.

6) Create an emergency fund – you never know when a job may disappear or you need a new vehicle.

7) Talk about money with those in your household. If you have kids, no matter their age they can learn about money and savings.

8) If you are single and you get married, keep any debt that each party has separate. This can be accomplished by waiting until the debt is paid to get married or sign a pre-nuptial that has provisions in regards to the debt.

9) Invest even if you are scared of losing money. There are many different types of investments out there and you should be able to find one that you are comfortable with.

10) Learn from the mistakes you make and keep on going.

11) Buy a house instead of renting.

12) Invest in your retirement.

Even if a woman is married and her husband controls the money, she should be aware of what is going on and where the money is going. Does she know of investments they have? How much goes out each month for the mortgage and bills? If something happened to her husband, could she take over and keep everything going smoothly?

No matter the situation, it is important that a woman know what is going on with her finances. With some of these items, it may be best to speak to a banker/investor if she is not comfortable, as they can help outline goals and make suggestions in regards to investments. But the more a woman knows about her finances, the more power she has.

Depending on where you live, some of this advice may not be practical such as buying a home, but overall, these ideas should help you out.


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    • PageC profile image


      6 years ago

      Very important information --- women always need to understand their financial situation, and to have a Plan B.

    • Sunnyglitter profile image


      7 years ago from Cyberspace

      Nice advice. I've seen many women fall apart financially after their husband or boyfriend left.

    • BloggingPilar profile image


      7 years ago from South Jersey

      Great advice!

    • shewritesright profile image


      7 years ago from Boston, MA

      Great hub with some very practical tips!


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