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Budgeting & Banking

7 times Cardi B gave us her best financial advice

Cardi B rose to fame through Instagram and reality TV. Classic millennial. But her money advice is lightyears ahead of "cut out the avocado toast!"

cardi b twitter

Credit: Eugene Powers (left), Lev Radin (centre and right), Solomon7 (background) – Shutterstock

Cardi B's been slaying since Bodak Yellow. But she's not only a musical genius: she also likes to dish out tips and tricks on how to get moneyz on Twitter.

If the lyrics of her single Money – an indicator in itself of the importance she places on being financially savvy – are anything to go by, Cardi is all about the hustle (she's the first solo female rapper to top the US charts since 1998!).

We went through her tweets and found the best pieces of financial advice she has to offer especially for you. As Cardi would say, make money moves!

Cardi B's tips for financial success

  1. Never pass up a bargain no matter how rich you are


    cardi b financial advice bargain

    Exhibit number one: this tweet is our first piece of evidence proving that Cardi B is one of us!

    Sure, you might have a Lamborghini and ice on your wrist, but that doesn't mean you should refuse a bargain when one so kindly presents itself in front of your very eyes.

    No one is ever too good for a good deal. And knowing how to negotiate a bargain will make sure you never miss a beat!

  2. Invest your money (when the time comes)


    cardi b money advice invest

    Make that £ multiple by investing it in something that'll make your bank account flourish.

    Cardi has invested in property, a business and, if her tweets are anything to go by, is even opening a company of her own. Hint hint.

    Property, a business, or the stock market are all great places to start burying your treasure once you're earning and are financially sound.

    Get flippin'!

  3. Work out what your financial goals are

    cardi b money advice dont spend it

    Just because you've got dat cash, doesn't mean you have to spend it all in one place.

    As tempting as it is when your savings do start to mount up to something more than a molehill, try not to blow them all at once. Keep some aside for a rainy day or for a long-term project you're working towards.

    Do you want to buy a house? A car? Go travelling? Remind yourself of those the next time you accidentally wander into Topshop...

A savings account with a good interest rate and a budgeting strategy will help you reach your goals quicker!
  1. Educate yourself about money and finance


    cardi b money advice make educated financial decisions

    There are loads of different ways to learn about money.

    Cardi herself didn't complete her university degree: she dropped out after three semesters at a college in Manhattan and famously made money stripping after quitting her part-time job as a cashier.

    But she does recognise the value in getting savvy about your finances early doors. We know money jargon can be boring but the earlier you get in there, the more time you have to grow your finances.

    Putting this in practice can mean doing something as simple as looking at our daily deals or doing a quick assessment of habits that might be draining your bank account unnecessarily.

    Which brings us to our next point...

  2. Ask for financial advice


    carbi b ask for financial advice

    Even the fattest of cats ask for advice on how to spend their money.

    Don't be shy about asking for financial advice if you're thinking about spending a lump sum in one go or making a decision that could have long-term effects on your finances (taking out a loan for example!).

    But be mindful about who you ask. A mate that doesn't think twice about blowing £300 on the latest lifestyle fad probably isn't the fountain of wisdom you should be turning to.

    Family is always a good place to start, as is your bank or your family accountant if you have one.

    And get savvy about how much tax you should be paying, especially if you're already working a part-time job at uni. Make sure HMRC have put you on the right tax band or you could end up paying more than you should be!

  3. Always check for freebies and discounts


    money advice cardi be use freebies

    Basic money-saving 101: never forget to pick up the free stuff!

    According to an interview CB did with Fader magazine, her humble abode is furnished with a lot of things she got for free, and she only pays full-price for something if she's on the move and doesn't have time to negotiate a lower price.

    Supermarket cashback apps are a great way to make money back on your food shop. Freebies often come in the fine print and shop assistants may *forget* to remind you to pick up the free goodies or *forget* to apply the student discount on your latest purchase.

    This is especially relevant when you're spending a considerable amount of money. For example, retailers often do discounts when you spend over £50.

    Don't forget to do this when shopping online too!

  4. Work out a budget to avoid living beyond your means


    cardi b money advice pay your bills

    Unfortunately, Queen Cardi is living proof that bills will follow you around no matter how much money you earn.

    Whether you're an international megastar or a student, some of your income is going to have to go towards boring things like rent and electricity. So make sure you always budget accordingly.

    Don't forget, you can get cashback on your bills too when you register through sites like Quidco or Topcashback, and some bank accounts now offer cashback deals on bills when you sign up as a new customer.

Earning money feels less like hard work if you're passionate about what you do, like Ben Lebus is about his foodie business MOB Kitchen that has over 200,000 insta followers!