Young anon asking for saving/general advice Hey guys, recently
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Post No. 1404858
Young anon asking for saving/general advice
recently I've thought alot about money and my future and ask for some general advice.
Job: Apprenticeship (it's common here in Austria)
Wage: 520€/month (this and next month), starting with September 700€(14 times a year, on 1st of month)
Current savings: 200€ (1.200, bought a motorcycle a few weeks ago, and have to pay 1k€ for the license-course tomorrow)
Debts: 900€ (to my father [car insurance], but it's okay for him if I pay it later this year)
Goal: get more money/get financially independent
So, as you can see I could say I'm starting off nothing right now. I got a job (6:00 - 15:00, Mo-Fr), but there'd be space for another one/computer work.
Why not another job? It's quite complicated over here in Austria with taxes and the different tax-classes. I don't even know if I am allowed to work too much besides my apprenticeship, but I'm able to talk to my uncle (tax-consultant) in a few weeks, hope to get some infos there. So, my main thought went to the IT-direction. Why? Well, I've gone to a Higher Technical College for two years, and did pretty well there. Especially in software-development (C). However, who needs a freelancing programmer who can only write C/some HTML/some C++?
So, my next thought was darknet (kek). Buying PaySafeCards/AmazonCards for cheap and selling them IRL. However, I don't know anyone who'd need a few hundred dollars of giftcards (since they are only codes it's even harder). And the risk of loosing money is too high, since they only got high-value cards. And it's too shady for me desu.
That said about jobs and stuff, let's talk about saving.
Generally I save everything that's left of my wage. Most times that are about 300-350€. From now on I'll keep 3 wages as iron-savings (savings I won't touch, only if I loose my job and can't live otherwise), will customize them depending on my income. It gets higher every year, cont...
at least for the next 4 years. Any other tips on saving?
In about 4 years (when I’m finished with my apprenticeship) I’m planning to study besides my job. I’m not sure yet if it’s good to study Automation (my job), or something with economic (preferably computer science). I’m interested in both, so that’s another thing I need advice on.
About my economic „knowledge“: I’ve read some books about economy, how it works, how the different markets affect each other, why the crashes happened, how the stock-market works, etc.
Nothing in special, but I got a little overview over all that.
I don’t know what to write anymore, so I hope that’s enough to work with. I’d be happy about some advice/what you’d to in another way/etc. If there are any questions left feel free to ask
google "begginners guide to investing"
/biz/ is are a homersexual.
If you are too lazy to to do standard research, you have already lost all of your money.
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