I used to have a &ldquo;drawer of shame,&rdquo; full of unopened letters from the IRS dogging me about freelance income I&rsquo;d forgotten to report in 2012. I opened one letter, felt overwhelmed by the financial jargon, and for some reason decided not to deal with it until I absolutely had to. Three years and one accountant later, I faced my mistake. The penalties had grown my balance to three times its original size! I beat myself up about it, but now I make sure my taxes are on point. &ldquo;When it comes to money, most learning comes from doing,&rdquo; Stefanie O&rsquo;Connell, a personal finance expert in New York City, told me. &ldquo;By fixing your mistake, you&rsquo;re taking full ownership of your financial life.&rdquo; Ahead, women share their blunders&mdash;and what they learned from them.I got married at 19, but just a few months later, I got a divorce. I didn&rsquo;t file for spousal support because I wanted him out of my life entirely, and I got several part-time jobs to cover the rent, on top of going to college. It was the first time I&rsquo;d ever lived alone&mdash;I&rsquo;d gone from living with my parents to having roommates to living with my ex&mdash;and suddenly I had to figure out how to be self-sufficient. I started going to the mall two or three times a week and making impulse purchases for $50 or $60 on clothing and makeup. I didn&rsquo;t need this stuff, but I was so depressed that I&rsquo;d do anything to feel better in the moment. I&rsquo;d think, This makes me feel pretty and I deserve to be happy.Eventually I racked up $10,000 of credit card debt, spread out over nine cards; a few months later I also had a mortgage and student loans to pay. In total I owed $148,000. At my lowest point, I had 50 cents in my savings account! I ultimately realized I had to stop burying my head in the sand. I started reading personal finance blogs like Dear Debt and made a plan to pay back the debts in order from the smallest to largest. I paid back over $12,000 in 2017 alone&mdash;including all of my credit card debt&mdash;and aim to pay off my student loan by April. Once that&rsquo;s done, all that&rsquo;s left is my mortgage (with a 3.25 percent interest rate) and a car loan (with a 2 percent interest rate). Now I&rsquo;m able to start putting small amounts of money toward retirement and savings. I learned that, even though progress can feel slow, every $25 payment counts.Six years ago I was signing a two-year apartment lease when I noticed a clause that prohibited subletting without the owner&rsquo;s permission. I was nervous to negotiate because I didn&rsquo;t want the landlord to think I was flaky. Six months later I moved out of state for a job and needed to break my lease. Thanks to that clause, I ended up owing the leftover $35,000 in rent. I put it all on a credit card because I had no other choice. That was in 2011, and I&rsquo;ve finally paid it off. It taught me: Don&rsquo;t be scared to ask questions, read the fine print, demand reasonable protections, and negotiate. Walk away if you don&rsquo;t get what you want.I graduated from college in 2015 and six months later got an entry-level job as a marketing assistant for a real estate company&mdash;it paid $14 an hour, with no benefits. I found an apartment and got a roommate to split costs, but everything turned out to be more expensive than I&rsquo;d expected. I was spending $750 a month on rent, plus money on work clothes, networking, drinks&mdash;nearly as much as what I was bringing home in each paycheck.Because I had already blown through my savings, soon I was living paycheck to paycheck. I was so stressed that I started losing weight, which was a wake-up call&mdash;I couldn&rsquo;t fool my body. So I started budgeting, cutting out happy hours, shopping, and takeout, and now I transfer $150 per paycheck into my emergency fund. I have $1,500 saved up again. My next goal: to build up enough credit to lease a car, and eventually buy a house. Saving is hard, but thinking about how far you&rsquo;ve come is a real motivator.I was at a business conference in Delaware, where I&rsquo;d met with mentors and learned about investing in a new real estate opportunity. I was psyched to jump in, so I put $12,000 into it, which I thought I would make back within six months. Unfortunately, I didn&rsquo;t know it was an active investment&mdash;that I had to manage the portfolio and close deals myself to make a profit. I was totally unprepared for that, and I lost it all. I learned that just because I had the money to spend doesn&rsquo;t mean I should dive in right away before doing all my research, and I should always consider an investment objectively, not emotionally. Now I own stocks, and I&rsquo;m saving up again to open a new retirement account. This plan will be much less hands-on. I can just open the accounts and let them grow. You have to invest, but do it in a way that fits your life.

Wait! Don't Make That Money Mistake

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is the World's largest and fastest growing self-service, cross-platform digital newsstand with over 87 million users since its inception in 2011 and thousands of magazines and newspapers across 40+ categories and 60+ languages. Headquartered in New York, Magzter has its local presence in Amsterdam, London, Mexico City, Chennai, Mumbai, New Delhi, Bengaluru, Singapore, and will soon be expanding to other countries. Founded by global entrepreneurs, Girish Ramdas and Vijay Radhakrishnan in June 2011, Magzter enables magazine and newspaper publishers around the world to create and deliver digital editions of their titles to global consumers.

n. We will also use usage information in order to ensure users adhere to our Terms of Use. For example, a user’s usage information will help us confirm that a user only downloads a magazine or other content a permitted number of times or to a permitted number of devices.

which gives digital readers unlimited access to 8,500+ magazines and newspapers for a monthly subscription price. Magzter also has the largest number of stories in the world with its game-changing ezRead 2.0 feature for its apps, which enables smartphone and small-screen mobile users to enjoy magazine content the way it was meant to be enjoyed, with article text that is easy to read and is accompanied by stunning videos and high resolution photography.

{{magzter}} is the World's largest and fastest growing self-service, cross-platform digital newsstand with over 87 million users since its inception in 2011 and thousands of magazines and newspapers across 40+ categories and 60+ languages. Headquartered in New York, Magzter has its local presence in Amsterdam, London, Mexico City, Chennai, Mumbai, New Delhi, Bengaluru, Singapore, and will soon be expanding to other countries. Founded by global entrepreneurs, Girish Ramdas and Vijay Radhakrishnan in June 2011, Magzter enables magazine and newspaper publishers around the world to create and deliver digital editions of their titles to global consumers.