There are many apps to help learn languages. Duolingo being the worst in my opinion. I’ve heard good things about Babble but don’t know if the price is worth it. I also thought about in-person classes, but I never have the time because of work and a baby.
I have relatively low debt for people my age (22)
Car: $15k
Credit Cards total: $1,800(paid off)
Insurance: $3-4k
I have a well-paying job that pays $31.25 per hour, and I often get overtime. My bills total about a paycheck and a half, but I still struggle to save money. However, I’ve made some progress. I paid off my credit cards, which boosted my credit score from 634 to 683. I’m expecting my credit score to increase further next month based on my bank’s report.
Despite these achievements, I still have a slight spending problem. However, I’m better off than I was two months ago. I had a few hundred dollars left over from my last paycheck, but unfortunately, they disappeared due to car issues.
One way I managed to save $900 was by taking it out in cash and putting it in a safe place. This way, I don’t see it in my account and can’t use it impulsively. My bank offers interest on money stored in savings accounts, which is another way to earn money while saving. I wanna use that to my advantage but just can’t.
Growing up poor, I was always left with hand-me-downs or used items, rarely anything new. Consequently, when I come across something I desire, I impulsively try to purchase it. However, I’ve managed to avoid doing so every time I go out by keeping $50 in my checking account and transferring money when necessary.
How do you avoid spending your money?
Any tips on breaking that mentality?
Edit: my work offers a 4.2% 401k match and 10.8% profit sharing making overall benefit 15% I contribute 11% since I got a raise and figured a little extra money going towards 401k accounts wouldn’t be terrible. Should I change this to 5%? I heard others say “it shouldn’t be that high.” and “why would I ever do that.”
I have relatively low debt for people my age (22)
Car: $15k
Credit Cards total: $1,800(paid off)
Insurance: $3-4k
I have a well-paying job that pays $31.25 per hour, and I often get overtime. My bills total about a paycheck and a half, but I still struggle to save money. However, I’ve made some progress. I paid off my credit cards, which boosted my credit score from 634 to 683. I’m expecting my credit score to increase further next month based on my bank’s report.
Despite these achievements, I still have a slight spending problem. However, I’m better off than I was two months ago. I had a few hundred dollars left over from my last paycheck, but unfortunately, they disappeared due to car issues.
One way I managed to save $900 was by taking it out in cash and putting it in a safe place. This way, I don’t see it in my account and can’t use it impulsively. My bank offers interest on money stored in savings accounts, which is another way to earn money while saving. I wanna use that to my advantage but just can’t.
Growing up poor, I was always left with hand-me-downs or used items, rarely anything new. Consequently, when I come across something I desire, I impulsively try to purchase it. However, I’ve managed to avoid doing so every time I go out by keeping $50 in my checking account and transferring money when necessary.
How do you avoid spending your money?
Any tips on breaking that mentality?
Edit: my work offers a 4.2% 401k match and 10.8% profit sharing making overall benefit 15% I contribute 11% since I got a raise and figured a little extra money going towards 401k accounts wouldn’t be terrible. Should I change this to 5%? I heard others say “it shouldn’t be that high.” and “why would I ever do that.”
This speech is a distraction from the war. They’re doing it again, went to war to distract from Epstein files now they’re talking about Epstein files to distract from the war. Now that some of the Republican Party is turning against trump on this war.
What are your thoughts?
I work a pretty labor-intensive job, but not intensive enough that I lose weight. I’m so tired after the workday and wake up pretty late due to my hours. I feel like my weight is starting to get out of control. How do you manage to stay motivated and keep the routine even though you’re tired? I’ve tried so many times, but it’s still difficult. I also have depression, which doesn’t help.
Also, any meals or nutrition tips would help as I have a pretty greasy diet. I’ve changed it up a couple of times but can’t think of enough meals, so I cycle through the same 5-6 meals, then get tired of them, and then go back to fast food.
Any tips on how to kick soda too? I kicked it for a while, but when I got pregnant, I craved soda so much and restarted that addiction.
I also have a binge eating disorder that spikes with depression or if someone mentions I look like I’m losing weight. I eat till my stomach hurts and even more after. I want to repair my relationship with food but don’t know where to start.