I just spend roughly the same amount every week and hope I have enough for bills and don't get my debit card declined. I make decent money and don't have any bad habits. I could probably change my life drastically if I set a budget for myself and didn't eat out all the time.
Set long term investment goals for example I plan on investing $300 into my system. I've done my research and I know what I want. I'm gonna set a little aside each month and thanks to email notifications I can snatch up any items if they go on discount
Don't impluse buy Don't let "want" purchases come out of your "need" funds
For Canada, save money, depositing all savings into a tfsa(tax free saving account) if you can Max out the now reduced 5.5k (fuck the liberals) a year deposit limit, don't lock in gic beyond 2year as interest rates are low af and its a bit risky. I got a 2 year gic on about 15k rn within my tfsa. Keep going to Max out that annual rate as a goal as its fairly easy, even with only a part time given I got scholarships and a bit from parents for my education costs. Aiming for a deposit on a house when I get out.
Job pays ~18/h, working as an instructor+Lifeguard and been working as soon as I turned 16.
>>52238259 Quit buying shit you don't NEED, if you absolutely need it (food housing transportation etc.) then absolutely buy it they are needs, if you dont, don't buy it unless you have the excess cash to afford it, pay your bills and for necessities first then save the rest or spend a portion of it(you need some savings for emergencies), understand what living within your means is
i would never use the credit card if i cant pay for it. so credit card is great for people with self control.
I use credit card for all my purchase and pay it off in full when bill comes. You get all benefits of a credit that way. Extended Warranty on purchases, Cashback (i probably got back about $500 in lifetime from spending).
only an idiot will tell you to use your debit card for everything which offers little to no fraud protection. Your debit card links directly to your bank account while credit card does not.
I steal wifi from my neighbors I take free phones when my friends or relatives upgrade theirs I unplug any appliance I'm not using I shower with cold water when in hot weather I cook everything I eat, never buy anything prepared I look for the best prices on everything, especially produce I commute by bicycle
Honestly I prefer being poor and working next to nothing, than having money and having to work a lot.
>>52238345 >you need a budget I have a standalone version that I bought on Steam a while back, and it's fucking awesome. It really helped me to visualize my spending habits and such and made me realize problems I was having in terms of budgeting. I don't use all of the features, but it's still very valuable.
>>52238807 With more income, retards have their living expenses rise if they're not careful and go in with no idea of a budget. A budget isn't about penny pinching. It's about knowing how much you spend, and how much you can put into savings or invest.
>>52238828 I know a budget is important, but half of this thread is going to devolve into 'how to be an ultrajew', missing the opportunity cost of spending money. i.e. a salesman in a cheap suit is going to make less than a well-dressed one.
>>52238911 That's true. It's easy to fall to extremes when talking about budgeting online. I just see so many people complain about making 80k+ a year and "wondering" why they're still living paycheck to paycheck.
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