I just need someone to read this. Or the illusion that someone did. Or just taking it out of my chest. Whatever.
You know, when I went from making 45k to 56k a year I kinda felt on top of the world because with a $1600 bi-weekly paycheck and $1200 MONTHLY expenses, I had such a big chump change to save but also to enjoy my hard earned money, putting myself thru this mind numbing thing day after day. But I started sending $1000 a paycheck to the savings for the downpayment super hardcore, so there goes my play money. But it's ok, it was a good cause. It's a long term play. Patience.
Now I bought the place but I had to burn the 15k I had left --which would have made for a nice runway-- to pay half of the masonry repairs, and I'll have to finance the other half, albeit most of it without interest. It still makes sense because the building is cash positive already, but the repairs were urgent and it was still cheaper than finishing a basement and renting it under the table which I didn't want. With this building I can wait until the city makes it legal to worry about doing anything to the basement.
But you know what I'm frustrated, like... I never got to enjoy my new found raise. "Oh but you have a building now" Yes I do. But now I'm putting the same $1000 every paycheck to my savings to try to build a new cushion plus paying off the 2nd half of the repairs as fast as I can.
It never enddsssssss. If I still had those 15k I could have gone part-time by the end of the year, doing whatever.
I have a few months before the year ends to try to come up with something that gives me even more $$$. I'm exhausted though. It was such an uphill battle saving that money. Now that I finally did it I was hoping to idk, enjoy a few months of full income without worrying so much about what I spend and how --which still didn't work because I still did get CC debt to funnel cash for the downpayment-- I mean.. it's a mess
The line between managing money well and messing it up is like a Venn diagram with "Me" in the middle. I swear.
I'M FRUSTRATEDDD
You know, when I went from making 45k to 56k a year I kinda felt on top of the world because with a $1600 bi-weekly paycheck and $1200 MONTHLY expenses, I had such a big chump change to save but also to enjoy my hard earned money, putting myself thru this mind numbing thing day after day. But I started sending $1000 a paycheck to the savings for the downpayment super hardcore, so there goes my play money. But it's ok, it was a good cause. It's a long term play. Patience.
Now I bought the place but I had to burn the 15k I had left --which would have made for a nice runway-- to pay half of the masonry repairs, and I'll have to finance the other half, albeit most of it without interest. It still makes sense because the building is cash positive already, but the repairs were urgent and it was still cheaper than finishing a basement and renting it under the table which I didn't want. With this building I can wait until the city makes it legal to worry about doing anything to the basement.
But you know what I'm frustrated, like... I never got to enjoy my new found raise. "Oh but you have a building now" Yes I do. But now I'm putting the same $1000 every paycheck to my savings to try to build a new cushion plus paying off the 2nd half of the repairs as fast as I can.
It never enddsssssss. If I still had those 15k I could have gone part-time by the end of the year, doing whatever.
I have a few months before the year ends to try to come up with something that gives me even more $$$. I'm exhausted though. It was such an uphill battle saving that money. Now that I finally did it I was hoping to idk, enjoy a few months of full income without worrying so much about what I spend and how --which still didn't work because I still did get CC debt to funnel cash for the downpayment-- I mean.. it's a mess
The line between managing money well and messing it up is like a Venn diagram with "Me" in the middle. I swear.
I'M FRUSTRATEDDD
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