- December 28, 2023
- Posted by: legaleseblogger
- Category: Related News
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Financial Responsibility and Investment Advice for an 18 Year Old in Croatia
Hello and thank you for taking the time to read this. My name is (Name) and I am an 18-year-old who lives and works in Croatia. As of 3 months ago, I realized I had been financially irresponsible with my earnings. Previously, I would spend my entire paycheck on unnecessary items. Approximately 30% of my earnings went towards online casinos, 20% on meals, 20% on clothing, 10% on marijuana, and the remaining 20% on cigarettes and entertainment. I am currently employed in a family business, and fortunately, I do not have many expenses. My fuel costs are covered by my employer, and all of my living expenses are taken care of at home. Working six days a week, I typically earn around 1450Ôé¼ per month. However, my income is expected to increase progressively, and within a year’s time, I anticipate earning close to 2000Ôé¼ monthly. Although I have been financially reckless in the past, I am now resolved to become more responsible with my spending habits.
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Additionally, during the summer season, I engage in work at another family-owned business, which yields approximately 10,000Ôé¼ over a 4-month period, necessitating 12-hour workdays each day. As I move forward, I seek counsel on saving and investing my earnings. With the potential to set aside 800-1000Ôé¼ each month, I am eager to explore various investment opportunities as I progress towards my future goals.
Furthermore, I am aware that in approximately 10 years, I will assume ownership of my father’s company, which is currently valued at 1MÔé¼ and has been growing steadily since its establishment 4 years ago. Although I have no intention of selling the company due to its lucrative nature, I am eager to receive advice on investing my surplus income each month. Additionally, in the upcoming year, I am preparing to obtain a 50,000Ôé¼ loan from the bank to purchase property, which is projected to yield a return of around 110-120kÔé¼. This anticipated profit will enable me to repay the loan and acquire additional property without the need for further financial assistance. With these insights in mind, I am considering various investment avenues, including ETFs and cryptocurrency. Therefore, I am seeking financial advice on building a diverse portfolio and making sound investment decisions that align with my long-term aspirations. I am open to answering any questions and am genuinely appreciative of any assistance provided. Thank you for your time and consideration.
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