If you knew then,what you know now,what would you do different?

[saucey]

I would go back to that last summer vacation when I was fifteen before my first job. I would live every single day of that summer to the fullest. If I had only known I would of enjoyed that last summer of freedom so much more.After that I would of saved all the money I made at the various jobs I had growing up instead of blowing it all on junk. I also would of took school more serious and studied hard and gone on to college instead of goofing off all through high school. I was a really great basketball player in grade school and when I made the team in high school I was more interested in boys so i quit.

[CAB_44]

dang saucey~ LOL
You and I are playing "posting tag" tonight .....LOLLOL~
And since I am bored, because no one else here is posting but us......LOL
(it's all good!!!) i'm gonna answer your question!
If I had to do it all over again~
I would've STOPPED using the CC the very minute I realized I couldn't pay it off in one month.....
things would be VERY different if I had done that~ VERY DIFFERENT!!!!!!!
So here I am many years later, and that is my vow~ To not use CC's again~ EVER !!!!!
I will use my debit card that acts like a VISA~ if I have to, it goes through my checking account and the money HAS to be there~
I could care less what my credit rating is... or my FICO score....COULD CARE LESS!!!!!!!!!!!!!!!!!!!!!!!!!!!!
CASH ONLY FOR ME!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
cab

[Emmy]

I would have treasured every moment I spent with my mom. I would have made sure that someone was taking videos of her and more pictures so I'd have more to remember her by.

There are certain boyfriends that I would have run the other way when I met them for the first time.

I would never have gotten credit cards at all. I'd have just used a saving account for what I couldn't purchase outright.

[CATCHMEIFYOUCAN]

shoulda' woulda' didnt

i shoulda' stayed outta debt when i had tons of credit all paid off !

[lrprn]

I wouldn't be so trusting each time my husband of 27 years told me I had to co-sign for one more consolidation loan or borrow against our house again.

[Credit Hater]

I would save $$ and never go into debt, and never, ever, ever get a friggin credit card.

Another thing, I wouldn't have taken things so seriously at such a young age. Doing that prevented me from many friendships and relationships. Growing up hard does just that, it makes you hard. In doing so at such a young age, you miss out on a lot of fun simple things that you don't realize until you're older and wiser.

[GoingUnderInNV]

I wouldn't have let the love of my life slip away when I was 24.

[miss puff]

I would have had a louder voice and stood up for someone who really could have used a friend. Instead, I pretended like I didn't notice.

[Minnymouth]

If I could go back in time:

I would have taken better care of me - physically....
I would have had kids - married or not!
Would not have taken a job that took me to other states all the time for years....... leaving behind family and friends.... home on holidays only.

[robivi3]

School and money, different attitude, in that order. Everything else would have been simpler.

[krobin02]

There is nothing that I would want to go back to do. The only change that I would even consider making if I were to go back would to begin participating in my company's retirement program when I first became eligible instead of waiting 5 years.