Zac Bissonnette: How To Be Richer And Smarter Than Your Parents

• FICO Scores Really Don't Matter
• Forget New, Buy Used
• Stop Watching TV
• Learn to say "no" to yourself at least once a day, especially when it comes to impulse buys, and understand that if you can't afford it, you don't deserve it.
• Buy used or cheap clothes, because expensive clothes do not always translate into better quality. And wash your garments in cold water to make them last longer.
• Take up hobbies that do not cost much money and are not materialistic, like gardening.
• Serve cheap, discount store wine, at parties and do not buy imported wines, which can sometimes cost up to 50 percent more.
• Buy groceries on-line or in bulk and buy a slow-cooker to prepare meals.