- April 6, 2024
- Posted by: legaleseblogger
- Category: Related News
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## Struggling with Financial Habits in Your 30s
So, I won’t make this long because I fully understand I need to create a budget and save, but what I’m looking for help with is taking that first step. It’s difficult when you’re in your early 30s and have had terrible financial habits your whole life and learned from parents with terrible financial habits. I keep saying, “Okay, next paycheck, I will create a budget,” but it never happens.
Has anyone had similar experiences and managed to turn it around?
A bit of context – I went from earning your typical $60k a year to making over $140k a year starting about 10 months ago. I still have $0 saved. Someone help me 😩
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****** just grabbed a
If you can’t consciously make smart choices yet, the best thing you can do in the short term is automate as much as you can.
Bills on auto pay. 401k automatically funded. Open a new savings account (that you don’t have a debit card to) and have a PORTION of your paycheck going into that.
If you try that 3rd strategy, do some math. How much were you bringing home when you made 60k? Have that amount going to your current savings account. Put the difference in the new account.
This is just a short term strategy. However it does help protect you from you while you create new habits.
Medium term, look up some financial plans. It sounds like your big issue is personal behavior, so Dave Ramsey could be right for you. The Money Guy’s also isn’t bad starting out, but their plan is less behavior based and more focused in the math.
Check out Ramit Sethi, I Will Teach you To Be Rich. His CSP and automation advice is simple and doable.
First, every large amount of money I get, I keep 10% for myself…. nothing more important than taking care of number 1… then throw the rest into my investments
Don’t really have a budget, but have been throwing $500 to $700 per pay into ETFs … don’t have a million, but it is sufficient.
Into a look at what I was spending on some items, and condensed. Like, at work, I was spending $450 a month on coffee … until I switched to a thermos… now it’s $150 a month. Food, I eat out once a week instead of 3 times. I buy things I bulk rather than individually. I go out 1 weekend a month instead of 4.
I make around 67k… on top of what I already had saved, managed to save an additional 29k last year
there is no perfect solutions, we are learning from our mistakes.
What helped me:
1. save a % from my salary in my salary day. Like never came. Start with 5% and raise slowly. I still make fun of my try: saved 1% (small pay, small save) and the last days of the month I spent it. Second month was better and better.
2. write all the spending. Put in excel all, including the small ones. After a few weeks you will see some patterns and act.
3. review bills and subscriptions. I changed contracts, I cut some subscriptions, etc – everything with small impact but month after month, better and better.
You just gotta want it enough. Do you want to live paycheck to paycheck or practice delayed gratification and be financially stable your whole life?
Tips – set auto investing/contributions. Aka “pay yourself first”. That way you’re not tempted to spend it bc it was never in your bank account
“The psychology of money” by Morgan Housel.