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Joined 1 year ago
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Cake day: June 2nd, 2023

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  • $20 an hour is a decent starting salary for no prior experience or education, but as you’ve said, it’s not a lot. You will need to make concessions somewhere, such as roommates, food, subscriptions, or entertainment.

    The first step is to be honest with your expenses, going through your past few months of credit card and bank statements, and put everything into a spreadsheet or app.

    Use YNAB or a similar app and catalogue each of your recurring and non-recurring expenses. You say they’re not “that” much, but they do add up. You may be surprised with what you find, but mostly, it will help you think through your priorities, what is essential, and what is a recurring expense.