i (22f) am not as smart as my younger siblings or friends when it comes to proper budgeting. i honestly didn’t really think about it, but now all my friends are talking about the thousands (plural!) of $$$ they’ve already saved up, meanwhile i don’t even have $1000 saved up… in addition to that, i’ve stumbled into about $1700 into credit card debt (i know, how dumb of me right?) and i’ve just been paycheck to paycheck just so i can pay the bills i do have (phone, pet insurance thing, etc.) in addition to THAT, i have to start paying my own tuition now because money is tight in the family…
i’m so mad at myself because how am i going to be able to afford a house or pay for my wedding in the near ish future (within 5-7 years) ? my fiancé (22m) is really good with budgeting and all, but i can’t expect him to be paying a bulk of things just because i was dumb and now have debt and hardly any savings. how do i manage my bills, my tuition, AND savings if i’m always paycheck to paycheck? (i work part time and receive about $250-$300 a week.)
i’m just so stressed with everything, and it doesn’t help when the other people in my friend group are like “how much have you saved?”, “what’s your credit score?”, “i can’t believe people have credit card debt” etc., etc. my mind is just constantly running and trying to calculate things… :(
original posted by smoldaddy_ to r/personalfinance on Sat, 16 Mar 2024 11:56:21 GMT.