Each day, we most likely hear at least one advertisement directed at those planning for retirement. These ads are designed for mid-life earners or those nearing the retirement finish line.

However, there is a tremendous lack of information that targets millennials. Thus, potentially setting up a generation to be unprepared when they begin thinking about the future.

Here are three money-saving tips to help guide millennials to become smarter spenders and savers:

1. Shop Smart: Use digital coupons, not credit cards

2. Travel on the Cheap: Go during off seasons

3. Review the Budget: Audit your spending regularly

– Taylor Ketchum, Jones PR

So, you finally got something back from the government and you want to run right out and spend it. Hold on just a second; here’s what you should do with that refund:

1) Pay down credit card debt.

2) Build your nest egg (you should aim to have six month’s worth of bills in your savings).

3) Take 20% and treat yourself to something nice.

It’s certainly tempting to plan a trip or splurge on that new designer bag, but this money isn’t a bonus. It’s just excess take-home pay that you loaned to the government, so be smart.

– David Clayman, Twelve Points Wealth Management