You have an income problem, not a savings problem
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Free registration at the forum removes this block.Its not about being reliant its about growing up.I'm 18, about to graduate high school next month. My dad is at home, he helps out a lot, but I don't want to be reliant on him longer than I have to. He's done so much for me, and I want to get to a place where I can be self-sufficient, and eventually, be able to do lots for him. I just want to make him proud I suppose.
The saddest part is, I'm still a teenager living at home. No car payment, no mortgage, no rent, no groceries, and no tuition. I've made, oh I don't know, probably $15,000 at least from the odd jobs over the last couple years, and now I'm down to $30 with no savings, even with a current job. I haven't bought a single "expensive" thing ($500+) since I was 16.
Subscriptions, gas, fast food, drugs & booze, clothes, video games, instruments, dead-end hobbies, all of it just piles up until I'm squandering my entire paycheck the same week I get it. Not a single dime in savings, or a valuable asset to show for any of it.
I've cancelled all my subscriptions, totaling nearly $100 a month alone. But that won't save me. How do I stop sucking with money? I really need to stop living like a deadbeat so I can get onto my own two feet.
Go wash some windows and make 50 an hourAmerican Midwest. Stuff is so expensive since the pandemic. Wages are comparatively low for un-skilled labor, about $11-17 an hour. I think gas is the main thing that gets me. It's $4.30ish a gallon and rising, and I have to commute around for various things making it hard to get more than 1.5 to 2 weeks out of a gallon.
15k sounds like very little money to work with.The saddest part is, I'm still a teenager living at home. No car payment, no mortgage, no rent, no groceries, and no tuition. I've made, oh I don't know, probably $15,000 at least from the odd jobs over the last couple years, and now I'm down to $30 with no savings, even with a current job. I haven't bought a single "expensive" thing ($500+) since I was 16.
Subscriptions, gas, fast food, drugs & booze, clothes, video games, instruments, dead-end hobbies, all of it just piles up until I'm squandering my entire paycheck the same week I get it. Not a single dime in savings, or a valuable asset to show for any of it.
I've cancelled all my subscriptions, totaling nearly $100 a month alone. But that won't save me. How do I stop sucking with money? I really need to stop living like a deadbeat so I can get onto my own two feet.
American Midwest. Stuff is so expensive since the pandemic. Wages are comparatively low for un-skilled labor, about $11-17 an hour. I think gas is the main thing that gets me. It's $4.30ish a gallon and rising, and I have to commute around for various things making it hard to get more than 1.5 to 2 weeks out of a gallon.15k sounds like very little money to work with.
Where do you live for context?
That's a good point. I have a web design business going, but I've had a lack of motivation lately. I was busting my a$$ for a couple months, but after building a free website, a couple failed sales meetings that I put a lot of work into, some issues at home, and some personal issues, I got burnt out and crashed.@BigRomeDawg nailed it.
Let's say it was $15,000 over 3 years. That is only $92 dollars a week spent.
Which right now, is actually pretty good.
100% the way forward is focusing on how to make more.
Where are you on a business direction and some skills or an overall idea to get going?
First question, how old are tou exactly?That's a good point. I have a web design business going, but I've had a lack of motivation lately. I was busting my a$$ for a couple months, but after building a free website, a couple failed sales meetings that I put a lot of work into, some issues at home, and some personal issues, I got burnt out and crashed.
Just played video games and took on more hours at work to keep myself busy. Trying to ease myself back into it, and I need to figure out a way to stop stretching myself so thin. I have a lot of stress right now about trying to become an adult that can support myself after the summer.
I'm 18, about to graduate high school next month. My dad is at home, he helps out a lot, but I don't want to be reliant on him longer than I have to. He's done so much for me, and I want to get to a place where I can be self-sufficient, and eventually, be able to do lots for him. I just want to make him proud I suppose.First question, how old are tou exactly?
Second, is your dad at home?
Well if you want to learn personal finance then read rich dad poor dad.The saddest part is, I'm still a teenager living at home. No car payment, no mortgage, no rent, no groceries, and no tuition. I've made, oh I don't know, probably $15,000 at least from the odd jobs over the last couple years, and now I'm down to $30 with no savings, even with a current job. I haven't bought a single "expensive" thing ($500+) since I was 16.
Subscriptions, gas, fast food, drugs & booze, clothes, video games, instruments, dead-end hobbies, all of it just piles up until I'm squandering my entire paycheck the same week I get it. Not a single dime in savings, or a valuable asset to show for any of it.
I've cancelled all my subscriptions, totaling nearly $100 a month alone. But that won't save me. How do I stop sucking with money? I really need to stop living like a deadbeat so I can get onto my own two feet.
You have an income problem, not a savings problem
I've had a lack of motivation lately.
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