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How can i save money when you can't help but spend? |
Saving money for me is really hard. I just got my first full-time job out of college & been for working 9 months as an Internet cafe attendant. It deeply saddens me to think i never get to save what i earn while working for 9 months coz what i earn is enough for what for food & clothing since i am dependent with my aunt(owner of the shop) who pays for our apartment's rent & utilities. My dad is unemployed & depends on my aunt too. I got lucky when my mom send money (400 euros)for me last October after a long time she has left our family & is now living with her new husband in Germany.At first i was so happy thinking i can finally save at least half of the money in the bank while the half i can spend on for a new cellphone to replace my broken one.But then expenses come, minor medical check-up & expenses,expenses for Christmas & others which used up all the money she sent me.This worries me coz i don't want to be poor w/o being able to save a cent.Should i regret spending it & not save? Right now, i am looking for a higher paying job but i am worried that my salary will just be enough for expenses esp. that my aunt has a deal with me that i had to pay all the rent and utilities and money for my dad onces i quit my job in the internet cafe. what should i do? First question is, is your father able to work and if so, why isn't he? It isn't your place to support him so he needs to get a job and quit living off other people, that way the two of you can share expenses and that will give you a chance to save more. Stop buying stuff you don't NEED! That's the miracle of saving... You dad needs to work your job that you do for your Aunt now at the internet cafe so you can get a better job with better pay and get out of the situation you're currently in. you need to be more strict with yourself You just need to develop the habit of saving. Start by opening a savings account, and each time you get paid, put a little money in there. Do this first, before you spend anything. You can start small, for example save 5% of your paycheck. And once it's in your savings account, pretend it doesn't exist. If you never really have the money available to spend, you won't spend it. You'll see that saving will become easier once you get used to it. The key is paying yourself (saving) first! |
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