Money stuff
So I am starting to realize I spend FAR too much money on a weekly/monthly/yearly basis...I am living outside what my income allows...My new years resolution shall be to change all of that.
When I was out west I made a shit load of money, and apparently I pissed most of it away, not paying down any of my student line of credit really, and that just doesn't make sense to me...I am sitting here right now wondering where all that money went, sure I bought a car, but other then that there was no large expense...rent? sure that sucks a lot of money away which makes me wish I actually was smart out there and payed off my debts and worked towards saving a down payment up for a house...but really all that is behind me, there is nothing I can change about that, but it is about time I learned from those mistakes and changed the way I live pushing forward...
For the first time in a long time I actually feel vulnerable with my money. it took a 300 dollar speeding ticket and a 2000 dollar car payment to get me here...for where I used to carry 1 grand in my bank account for a rainy day, that has been reduced to 200 lately, and I have not been able to rebound from those payments yet. My saving grace is that in a month or two when I do get my professional engineering status I will more then likely get a substantial pay raise, if not I will probably start shopping myself around...
long story short, I am not as young as I was when I first started making money, I always said in the back of my head that "you are young, enjoy yourself" and although this is true, and I will indulge every once and a while I will be more focused in my ways so that I can get to a place where I can actually move to the next substantial place in my life in purchasing a house. Hopefully I can get to that place in a year or 2...
When I was out west I made a shit load of money, and apparently I pissed most of it away, not paying down any of my student line of credit really, and that just doesn't make sense to me...I am sitting here right now wondering where all that money went, sure I bought a car, but other then that there was no large expense...rent? sure that sucks a lot of money away which makes me wish I actually was smart out there and payed off my debts and worked towards saving a down payment up for a house...but really all that is behind me, there is nothing I can change about that, but it is about time I learned from those mistakes and changed the way I live pushing forward...
For the first time in a long time I actually feel vulnerable with my money. it took a 300 dollar speeding ticket and a 2000 dollar car payment to get me here...for where I used to carry 1 grand in my bank account for a rainy day, that has been reduced to 200 lately, and I have not been able to rebound from those payments yet. My saving grace is that in a month or two when I do get my professional engineering status I will more then likely get a substantial pay raise, if not I will probably start shopping myself around...
long story short, I am not as young as I was when I first started making money, I always said in the back of my head that "you are young, enjoy yourself" and although this is true, and I will indulge every once and a while I will be more focused in my ways so that I can get to a place where I can actually move to the next substantial place in my life in purchasing a house. Hopefully I can get to that place in a year or 2...