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Your 20s are a time of discovery. That includes discovering how to make, spend, and save money (and be less dependent on Mom and Dad). But the journey toward understanding your finances can be a bumpy one. Here are five financial mistakes people often make in their 20s and how to avoid them.

Did you make a resolution to save more money this year? Spending less is great, but it doesn’t mean you have to sit around at home. Philadelphia is full of exciting, inexpensive things to do – even in the middle of winter. Learn how to save money on your next outing with this guide to upcoming events and local favorites.

A balance transfer can be a great way to pay off high-interest credit cards with one lower-rate card, giving you an easier way to pay off this debt while cutting your interest payments (and stress).