22M great job but still leaving paycheck to paycheck. Hardly even have wasteful spending
>>1009151
>posts pictures of hookas
>smoking money
"hardly even have wasteful spending"
you sound like one of those people that don't see their own faults
>>1009153
Havent Smoked in a while, cutting back on everything
>>1009155
Maybe stop discussing in general terms and have a look at some hard numbers? "Hardly ever" means you still do and "wasteful spending" is subjective. "Cutting back on everything" what the fuck is everything?
If you're not going to be real with yourself about your spending habits then you're just another broke wage slave. Different to no one else and so should not expect to "become successful", whatever the fuck that means.
what do you consider 'great job'?
How basic do I need to get?
~`~First, always pay yourself first. take some money from EVERY check EVERYTIME and put in savings before you spend the rest. ~`~
Whats left your rent/CC/food/car/healthcare money whats left after that is entertainment money.
Learn to control your spending, if you don't, no matter how much you make, you'll always be broke because when you start making more you'll spend more.
Don't have CC debt, don't get payday loans. Don't spend $80 a month on a cell phone. (ting is great and gives you ~35$ a month). Learn to cook cheap. don't go to star bucks everyday. There is tons of stuff, but I need to know you.
.
For big things, save ahead of time? Want a new TV/laptop? put extra money away every paycheck till you have it. Don't go into savings for stuff like that.
.
Bascilly make a budget.
you make X amount every month. After fixed costs (car/rent/etc/savings) you have Y amount left, divide by 4. You get your weekly cash amount. easy.
The only way to change Y is to lower your fixed costs.
>>1009153
/thread
>>1009153
oh no $6 for a box of shisha that will last you an entire month
>>1012679
Go be poor somewhere else
>>1009151
Did what everyone else did.
Make believeable lies until some one fell for it and just worked my way up from there.
>>1012692
i bet you pay for a cell phone
>>1009151
Not even successful yet, I sell Cosmetics and steamers at a kiosk at one of the wealthiest malls in America, while I go to school for accounting.
>successful
Why don't you define this word for me before we proceed?
>>1009151
you need to increase cash flow, pay off debt, and start investing.
to increase cash flow, you need to go on the financial offensive or financial defensive.
>get a second job or side hustle
>cut expenses wherever possible. you don't need to go destitute, but there are always places where you can cut expenses
second you need to pay off debt. High interest consumer debt (like CC) should be the first to be paid off. Pay off the highest interest rate debt first, then snowball onto the smaller interest rates (obviously while targeting the high interest rate debt you make monthly min on the other debts)
when you're out of debt, save up 3 to 6 months living expenses as an emergency fund in a savings account (better liquidity) then start to invest.
>>1009151
Turn that question around.
It´s not "what do I do to become successful", but "what am I doing that isn´t getting me success".
