4 things I DON'T do with my money

4 things I don't do with my money as a financially successful person because what you don't do with your money matters just as much as what you do do with your money. I now have six figures invested, but I used to be pretty dumb with money and did all these things wrong already. 1. Don't forget to return items. And I always check the return policies before I buy things. This one I've learned through bitter experience. I have ordered from many companies across the world who actually either make you pay taxes to import something or they don't refund you, or you have to pay return costs. So check that first. But secondly, if you don't like something, if you don't love it and you're not going to wear it that often, just send it back. I would rather have taken, I don't know, a 10, 15 pound hit on returning something than the 100 pound item. 2. Don't use a traditional savings account. Usually normal savings account give you like 0.5, maybe 1% interest if you're lucky. I now use a high yield savings account that gives me 3.5, 4% interest. Because why are you putting your money in there if it's just getting eroded by inflation? It is a bit annoying having to shop around for a deal, but there are websites that help you do that. And then once you've found a good deal, you can actually watch your money grow in real time. Again, I learned this the hard way. 3. Don't use a debt card at all, really, for anything. One of my favorite phrases seems to be, do you take Amex? Now, you need to pay off your credit card in full every month. I've done a video on why, so go and watch that if you're interested. But essentially, they charge you money on stuff that you've paid back. You have to pay off in full. And then also, when you use a credit card, you get points, and then you can use those for travel. And also it's a bit of fraud protection because if you need to dispute a charge, it's the credit card's money, not yours. So I don't use a debit card. And 4. Don't shop sales just for the sake of it. Now, I'm not saying that if something's on sale and I want it, I won't buy it. But what I'm saying is I don't go specifically into a sale. So for example, if I get an email being like 30% off on jeans, I'm not going to go and look for a pair of jeans I don't need. Rather, I have a wishlist of things that I really want, and if one of those things comes up specifically, then yes, I'll buy it.