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There are www.povestiri eroticea lot of misconceptions about millennials. Some people have pushed the false belief that millennials are lazy and self-centered — and like it that way. And, judging by some experts sharing their two-cents about this subject, are terrible with saving their money. I'd love to see a study carried out about the motivations behind the individuals and industries that continue to spread these rumors.

In reality, millennials are hard-working. They’re not as selfish as you would believe. And, they’re careful with their spending. It's the few that mess it up for the rest of us. If anything, they have challenges that previous generations haven’t had to face, such as making less money than previous generations.

Our millennials are pretty thrifty when it comes to saving money by using the following techniques:

They get roommates

Changing your lifestyle is one of the best ways to save money. For millennials that means getting roommates to help cover the cost of rent and utilities. In fact, according to a study by SmartAsset, it was found that you could save at least $700 per month in high-rent cities like San Francisco, New York and Boston by having a roommate.

I personally did this with a couple of friends while getting my business off the ground. While the house could get crowded, it wasn’t that bad. I got to hang out with my friends without having to go anywhere and, because I was saving so much money, I was able to pay down my debt and start investing in my business.

They’re careful with their spending

There are a lot of financial experts who complain about the spending habits of millennials. But, as Rachel Thompson put it for Mashable, being shamed for buying “skinny lattes and espressos” isn’t the reason why millennials are broke. In fact, not all Millennials are broke and terrible with their money.

Julie Pukas, head of U.S. bankcard and merchant solutions at TD Bank, saidthat millennials are focused on being responsible with their money, spending within their means and shunning expensive material items and larger purchases.

Even though millennials enjoy going out to eat, for example, they spend less than Gen Xers and Baby Boomers not only on eating out but on many other expenditures.

The reason? “It’s very likely out of necessity that millennials have a strict hold on their finances,” Pukas said. “A lack of capital has forced this group into a more frugal lifestyle compared to other generations."

They’re putting off or avoiding, traditional milestones

“As a millennial living in London, I am close to giving up on the idea of ever owning a home,” wrote Thompson. And, she’s not alone.

Millennials as a whole are either putting off or avoiding traditional milestoneslike purchasing a home or vehicle. Unlike previous generations, these just aren’t necessary for millennials when they have options like Uber, renting a place with some roommates, or moving back home with their parents.

In other words, the sharing economy provides millennials with the services that they need without the financial burdens of ownership. They’re also putting off getting married and having children.

Instead of burying themselves in debt to achieve these milestones, millennials are either delaying them until later in life when they have enough money to purchase a home, car, or start a family, or they are just not worried about it.

They don’t use credit cards

While millennials are quick to embrace new payment methods like digital wallets, they still prefer cash. In fact, 58 percent of millennials have reported that they prefer to get paid in cash.

It’s a smart move because this prevents them from making unnecessary purchases and getting themselves into credit card debt.

Furthermore, a study by Bankratefound that 67 percent of millennials don't have credit cards — which is the lowest amount of people without credit cards in any demographic, among adults.

They’re using technology to their advantage

Millennials excel at navigating technology. Which makes sense since they grew up in this hyper-connected world.With apps like Acorns and Digit, they’re able to automate their savings. For example, Acorns rounds up your purchases and places the extra change into a diversified portfolio.

Banks like Chimeprovides features such as Automatic Savings and allows you to transfer funds and monitor your accounts in real-time.

Millennials are also using apps to earn cash back, rewards, and find the best deal online. Honey, for example, is a Chrome add-on that pops-up when you’re about to checkout and then automatically searches for any coupon codes.

They keep retirement in mind

There has been no shortage of articles proclaiming that millennials aren’t saving enough for retirement. However, survey after survey has shown that when searching for a job -- retirement benefits is a deciding factor.

“Millennials understand the importance of retirement planningand getting an early start on building retirement security,” said Robert R. Johnson, president and CEO of the American College of Financial Services.

Additionally, it has been found that millennials purchase their first mutual funds at a younger age than Baby Boomers and Gen Xers ever did.

John Rampton is serial entrepreneur who now focuses on helping people to build amazing products and services that scale. He is founder of the online payments company Due. He was recently named #2 on Top 50 Online Influencers in the World by Entrepreneur Magazine. Time Magazine recognized John as a motivational speaker that helps people find a "Sense of Meaning" in their lives. He currently advises several companies in the bay area.