I’m in my 30s so I should be used to this by now, but this shit is getting so stressful guys. I have no savings, my checking account is drained every month with rent, and if there’s ever a serious emergency I have no safety net, I’m legitimately fucked. I’m one unplanned expense away from absolute ruin. Those in the same boat as me, how do you deal with this?
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I’m glad to read that! I hope it helps. I would also recommend joining a credit union if you’re eligible and not already a member. They will typically have much better rates and lower fees on various services. Also, doing this math can be depressing - I remember having weeks where I had like $30 to cover gas and food. If you find yourself in that situation, dried beans and a second-hand pressure cooker are a much healthier alternative to the usual ramen packets.
lol me, every month at the end of the month.
There’s a lot more column B on the personal finance lemmy if you want to go further!
Consider finding a budgeting tool to help. I use YNAB (though it’s gotten kind of expensive at $15/month) that keeps me in line. It’s a cash spending budget model that keeps me focused and away from credit card debt and ultimately saves me far, far more than the $15/month fee. It’s especially helpful if you have shared finances with a partner.
There are lots of good options out there from free to more expensive than YNAB, but a good tool can go a long way to helping you maximize what cash you do have.