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I'm 23 years old. I have a full time job, I get paid once a month, roughly $1300. I still live at home so I have no 'bills' except for my cell phone and a car payment, that is about $300 together. That leaves me with about $1000.
I want to try and move out either by the end of this year or early next year. But, I cannot save money for the life of me, and I really have nothing to show for why I don't have money. But by the end of the month I'm lucky if I have $5.
Can you give me some ideas on how to start saving my money? I really could use it!
Thanks!
:) (link)
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Do you do a direct deposit? My best friend had a serious problem with spending. Once she got a job, she did a direct deposit to her bank and it actually worked. It's much easier because they don't put the money in her hands so she can spend it right away.
I've known many people close to me in your situation, and it took them YEARS to move out. If you are serious about getting your own place, you should only take out what you NEED ($300 + however much you need for food).
I'm not sure who you live with, but if you live with your parents, then maybe you should give them the money to hold onto if they are trustworthy and responsible with money. That way, you won't have a way of getting it when you get the urges to go out and spend.
Do you know what you spend your money on? Sometimes I don't even know where my money went. At the end of the week, you should put all your receipts together and add up how much you spend on unnecessary costs. It will really surprise you and hopefully scare you out of spending so much.
Try to avoid places where you know you will splurge, like the mall or fast food. If you do go shopping, bring a friend, someone who you know will persuade you out of buying, not someone who will encourage you (like saying everything looks cute on you).
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Rating: 5
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Unfortunately the company I work for doesn't do direct deposits. But I might just start using my parents as my 'direct deposit' so to speak.
Thank you so much!
:)
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