What if one forgotten parking fine could block your rental application 3 years later?

Most teens think "Buy Now, Pay Later" (BNPL) is harmless, minimum credit card payments are "fine," and credit scores don't matter until you're buying a house.

They're wrong. And it's costing them thousands.

I'm Emma—mum and naturopath who sees daily how financial mistakes create stress that lasts for YEARS. Part 2 of the Teen Money Toolkit exposes the credit traps targeting young people—and exactly how to avoid them.

🚨 What you need to know:

• → Good credit score = 11% car loan. Bad score = 22%. ($8,000+ difference on a $20,000 loan!)

• → Miss ONE "Buy Now, Pay Later" (BNPL) payment? Face 30% interest on EVERYTHING

• → $1,000 credit card debt with minimum payments? 67 months to pay off, $1,662 total cost

⚡ In this episode:

• ✓ Your credit file explained: what it is, how to check it FREE

• ✓ The 4 ways to destroy your credit score (and protect it instead)

• ✓ "Buy Now, Pay Later" (BNPL) exposed: why "0% interest" isn't free

• ✓ Consumer loans: reading the trap-filled fine print

• ✓ Credit cards: the minimum payment nightmare with real math

• ✓ How one parking fine affects you for 3+ years

Real example: That $1,000 credit card? Most of your $25 minimum payment just covers interest. Your actual debt barely moves. That's why it takes 67 months (over 5 years!) and costs $1,662 total.

This information protects your financial future. Listen together, pause for questions, and have the credit conversations that could save thousands.

📺 Coming up:

Part 3: Budgeting that works + investing with $5

Part 4: Compound interest—how $10/week becomes $228,000

Subscribe so you don't miss them!

About Emma: Mum, naturopath & author who sees financial mistakes create lasting stress. Passionate about credit education BEFORE costly lessons happen.

🤗Say hi on social:

Emma’s Instagram: https://www.instagram.com/_emmasutherland

Emma’s Clinic, Studio You https://www.instagram.com/girlsfromstudioyou

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⚠️ FINANCIAL DISCLAIMER:The content in my YouTube videos and podcast episodes SHALL NOT be construed as financial advice. The information shared is for educational and general information purposes only and is not intended to be a substitute for personalised financial advice. I am not a licensed financial adviser, and this content does not take into account your personal objectives, financial situation, or needs. You should consider seeking advice from a qualified financial adviser before making any financial decisions. It is your responsibility to verify all information and assess its relevance to your individual circumstances.