I've paid off my £20k debt but wish I’d known the ‘pay yourself first’ rule years ago – I’d have way more in the bank | The Sun

A MONEY-SAVING pro has taken to TikTok to share the money lessons she wishes she’d known in her 20s. 

Channa Marie, known online as @thatbudgetbabe, revealed four key things everyone should know – and claims they've helped her pay off her £20k debt and rack up £12k in savings. 

The money coach regularly shares budgeting and money-saving tips with her 54,600 TikTok followers.

In a new reel, she said: “Here’s a few things I’ve learned about money in my thirties that if I had known in my twenties, my life would be so different right now. 

“It’s okay, I’m not hating on it, right? Because we are all on our journey and nothing is for not.

“However, no doubt about it if I had known these things 10 years ago, I would be much further along in the journey. 

“Number one, credit cards are meant to be used and they’re meant to be used daily – not your debit card. 

“Number two, pay yourself first. 

“What does that even mean? 20 per cent, put it in a high-yield savings account, put it in an investment account.” 

Channa’s third tip was to change the way you think about budgeting and money. 

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She claims the key is not seeing it as a form of restriction, or a sign that you’re broke. 

“Number three, a budget does not mean you’re broke. A budget means that you are financially smart. 

“A budget means that you are taking control over your finances and you are the master now.

“You are not the slave to the money game. 

“Which brings me to number four. Money and the financial system is just a game.

“You guys got to know it, you’ve got to learn it, and you’ve got to play it and you’ve got to play it well.”

Fans loved her quick tips, with the video gaining more than 1,900 likes and 37,3000 views. 

In the comments, Channa’s followers shared their thoughts, with one writing: “Literally learned all of this year… man my 20's would've and should've been lit… but its never too late.”

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Another agreed with her advice, adding: “CC for groceries!”

A third wrote: “It’s never too late to start investing, but the best time is now.”

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