>>1033792 I genuinely don't understand who the challenge was made for. If you have a monthly income it's deposited on your bank account anyway and besides you're going to be able to put away way more than <3k each year. If you don't have a monthly income how will you be able to deposit 100$ in the last few weeks.
I don't pay any rent, utilities etc. I have a job and pays pretty well and on top of that I am able to help my parents out with 350 per month, I myself have some personal consumption money and I save 900 bucks per month for my future, to pay my driver's license, to start my own business etc. I'm lucky.
>>1034097 >>1034297 I'm the under 20 year old and duck fuck you, I rent privately in London, one of the most expensive cities on Earth. Don't give me shit about not living independently because I don't know many people my age doing that. A single bedroom costs me £700 per month. I just live within my means. Fuck. You've made me butthurt.
>>1034449 Any time a thread comes up where people talk about cash flow they should specify their housing arrangement. It can make or break nearly all of one's investing power. Good on you for pulling that off in London. I manage to save around $1k CAD a month and I also live on my own.
this is a silly way to save. why backload it like this? Save whatever amount you can per month, monitor your expenditures and do analysis on what they yield. For instance, if my dinners-out expenditure exceeds my grocery bill, I know I'm clearly eating out too much. ROI right. Fancy alcohol is another one--I like premium beer but I really don't notice the flavor that much after about halfway, it's just habit basically after that. So why pay twice as much for the fancy stuff? Does that reflect a good ROI? Instead, drink less, so when you do have some it's much more enjoyable, and I can tell you a cheap beer after a hard days' work is much better than a fancy beer after a lazy day.
Get to know yourself and your habits, it's easy to hedonistically adapt when your cash flow goes up but you must fight this. Always use external analysis to determine your purchases, avoid impulses, that's lizard brain stuff and it doesn't reflect delayed gratification.
Don't ask, "why shouldn't I buy this", ask instead "what will this get me if I do buy it", because money you don't spend is money that works for you, and well spent money will still work for you.
>>1036425 >Pride It's about comfort, anon. You're only given one life, and if I have to spend it constantly living with my mouth breathing brother and loving yet nagging mother I will end it prematurely.
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