The Wall Is Undefeated!
Superstar
While I'm for financial discipline, it would be erroneous to think that just lacking FD is the cause of the financial situation of inflation combined with historical low wages for the working poor.
No amount of budgeting and not eating out is going to make up for the fact that we don't make enough money.
- Thread starter Sad Bunny
- Start date
That and debt in general such as car payments.
AyBrehHam Linkin
First Black Brehsident
I came to this conclusion too while at my 25 an hour job. So I just accepted a 38 an hour job. 
I went to the grocery store today and wasIt's about making the most with what you have
Budgeting and cutting back expenses is literally the solution to allocating money towards necessities
People don't want to come to grips with that. Once upon a time I was able to save $25K while making less than $40k (in a couple of years). It's math, what you do with it is up to you
but standing at the checkout, I was like do I really need cashews, La Croix soda etc etc. I could dial it back, but there are luxuries people feel they need when it isn't really necessary.
I try to live off of 43k( I make way more) and it’s a struggle
yep I remember that. You’re a few years older than me and I remember you graduating, getting your first real job, but working at McDonald’s on the weekend for some extra income. I always thought of that and ended up doing something similar once I finished my degree.
My first job out of college paid me 40k, so I worked a couple other gigs to bring my income up to 70k. It was a grind but it was something I had to do and knew I could only do while I was young. This also motivated me to look for higher paying jobs and how to get there. Tbh just last night I was thinking of getting another side job just for the weekend for a few hours.
Hell I’d be open to even washing dishes for a few hours. Don’t care what anyone thinks as long as my bank account is straight.
I’m just going work on another wfh job first. Found some pointers last night
Also i don’t work hard to blow my money either. I want to make more money to increase my savings and investments. The quicker I can reach 100k investment the quicker that shyt will double.
who_better_than_me
Time to go!!
Man life happens, even before inflation it was hard to really plan for unforeseen financial traps. I paid off all my credit cards(total of $4000 credit, i didn’t max then em out but I got the balance of all of them back to zero) just to have to max out two of them for an emergency. And it was totally unnecessary but ppl are petty
mbewane
Knicks: 93 til infinity
You're not supposed to "make enough money".
I hear you but people need an exit plan.
If you’re working two jobs. You have to be able save something. Also sacrificing is everything man. When I was down bad, I saved damn near every penny I had until I saved 7k. Then I knew I could breathe a bit but not take my foot off the pedal.
I went to the grocery store today and was
In general, you want to spend SOMETHING on yourself..whether its a vacation, sneakers, etc..
When having extra for yourself is considered a luxury, we are in deep trouble
Broke people can’t really afford to not share bills
Wow that’s great to hear bro. Really just made my dayI try to live off of 43k( I make way more) and it’s a struggle
yep I remember that. You’re a few years older than me and I remember you graduating, getting your first real job, but working at McDonald’s on the weekend for some extra income. I always thought of that and ended up doing something similar once I finished my degree.
My first job out of college paid me 40k, so I worked a couple other gigs to bring my income up to 70k. It was a grind but it was something I had to do and knew I could only do while I was young. This also motivated me to look for higher paying jobs and how to get there. Tbh just last night I was thinking of getting another side job just for the weekend for a few hours.
Hell I’d be open to even washing dishes for a few hours. Don’t care what anyone thinks as long as my bank account is straight.
I’m just going work on another wfh job first. Found some pointers last night
Also i don’t work hard to blow my money either. I want to make more money to increase my savings and investments. The quicker I can reach 100k investment the quicker that shyt will double.
I am married now and we are living off my salary and saving my wife’s for now on.
Already saved 3K in the past two weeks. I’m aiming fir 5-6K per month.
She still had student loans though and I have to knock off this credit card.
I’m super motivated and reading this book now. Highly recommend it.
The Psychology of Money: Timeless lessons on wealth, greed, and happiness
The Psychology of Money: Timeless lessons on wealth, greed, and happiness: Housel, Morgan: 9780857197689: Amazon.com: Books
And then after that then they should aim to get a higher paying job or take some online classes or something. There are ways to get paid out here.
Of course some are really down bad but I know mad people who are just lazy and unmotivated. They complain and don’t try to change their situation. Always begging for money but they always got weed to smoke.
Switching companies can easily net you 10-15% more.
Get a certificate or associates degree.
Lower expenses. Work two jobs until debt is paid off. Many options.
I’m a white collar professional but I’d go get my CDL in a heartbeat if I had to
Yup.It's about making the most with what you have
Budgeting and cutting back expenses is literally the solution to allocating money towards necessities
People don't want to come to grips with that. Once upon a time I was able to save $25K while making less than $40k (in a couple of years). It's math, what you do with it is up to you
It’s not always about what you make. It’s how you save and budget.