😃
I was never taught how to handle money and that how i ended up here. Teaching myself as i go so i thought i'd document my findings.
Money is such an easy concept. Very few technicalities but that's it. My reason for deciding to want to know how to handle money is solely because i don't have stuff. I realized that even the simplest most basic stuff i don't own.
I don't have alot so i assume i should just spend it all without any planning. If i'm not careful i might end up doing the same even when i do get alot. So like any normal person i went online and typed in finances. MMFs, investments, REITs e.t.c
After binging videos on youtube i settled on the 50/30/20 rule. Where 50% is bills 30% is savings 20% is whatever tf i want as long as it doesn't exceed the set 20%.
When i said i dont have stuff. I mean my clothes are from 10 yrs ago that i don't even like anymore. I don't have nice shoes. I can't even set aside a few coins to get the cheapest hairstyle. By stuff i don't mean luxurious wants, i mean the most basic needs.
Because of this i've never truly felt that sense of independence. I have had this rule going on for a while now. I realised it gave me a sense confidence i have never experienced before. I am by no means a millionare, but i am proud i can manage the little i have.
I do slip. Spend more than i should, or use money i set aside for one thing to do something else.
But at least now i have a system in place that i go back to.
Apr 26, 2024
Related Recs
🧠
spent the last five or so years in a maze of ennui and self-pity, but i have in the last 18 months slowly been clawing my way towards something resembling the life i want to be living.
i can see the end of the tunnel now, but strangely that amplifies my impatience. when things seemed more hopeless it was perversely sort of freeing - i didn’t know where i should be going, so i wasn’t in a rush. now that i have the full map in my hands i have nothing left to do but drive towards the end. that’s exactly what i wanted, in a sense, but now i have the burden of actually executing on the promises i made to myself - turns out that’s harder than making the promises in the first place! who knew
Mar 3, 2025
📺
I have recently come to realize how meaningless and vain life can sometimes be, like going shopping, why can I afford to spend an insane amount on clothes and food while people on the other side of the world are starving for a piece of bread? Looking at life from a different perspective and realizing that the small things we complain about are nothing compared to what people have to endure in life, makes you grateful for what you have and mindful of what you spend. If you're always complaining about your life then when will you find time to enjoy it? reading this back makes me realize that I am not destined to be a writer. byee
Jan 7, 2025
⚖️
Was I qualified? Questionable.
Was it partially to chase a relationship that eventually ended? Yes.
Was I in my early 20s with few responsibilities, some savings, and a support network to back me up in case I didn't figure things out? Yes.
But did I still have to go against everything that was ingrained in me about career stability and making smart and safe financial decisions? Yes.
It was a tumultuous point in my life to say the least, but the 5 or so years before and after that became crucial in learning how to be my actual self. Hard to say if I'd do it again, but to sum it up:
"I know now what I knew then
But I didn't know then what I know now."
-Modest Mouse
Jun 19, 2024
Top Recs from @yesyes1
⭐
i see the letters and hear the sounds in my head but for some reason i just ignore saying it
Apr 26, 2024
😃
sometimes the easiest way is to let it pass. Sometimes go wreck something. Other times its really whatever you feel like doing at the time. I'm at that very part of my life where nothing feels right. I don't know how not to feel this way, but i can always ask myself what i want and try to give myself whatever it is that i feel i need at the time.
Apr 23, 2024
😃
DOES ANYONE KNOW HOW TO STOP HAVING A FEAR OF BEING PERCEIVED. I GET REALLY AWKWARD BECAUSE OF THIS. I DON'T KNOW HOW TO GO ABOUT IT.
Apr 23, 2024