learn how to manage my money

I am the worst money-handler ever. No one is more irresponsible with money than I.
Dissapointing…since I was optimistic 5 months ago.
I was on a path. I was paying off debt. My goals were simple and clear-cut. Then I couldn’t live my parents anymore (through no fault of my own) and everything went to shit.
I guess that’s why the say life is a fucking rollercoaster.

i really want to save money because i have realised i spend a lot

I am well educated make decent amount of money but my finances are a mess …...keep borrowing from my younger bro …sometimes I hate myself

I want to learn to manage my money so that I can save for the things I want.

I want to learn how to manage my money and SAVE so that I can do what I want, when I want. I also want to start saving for retirement.

I finally started keeping a register. I don’t really see what the big deal is…I never kept one before because these days most transactions go through immediately and so I can check my balance online and it’s usually pretty accurate…
but my parents are sticklers about this and I thought maybe I should start doing it too. I guess it does make me a little bit more aware of my spending.

So I’ve been reading peoples entry, some very good advice going on there, I’ve cheered some. So as of tomorrow I’m going to be taking peoples advice into account and will be putting it to theory!

Thankyou for the great advice guys!

This is something I’m hoping to work on once I move back in with my parents. I’ve gotten myself into quite a mess over the past year. It all started when I changed jobs and took a cut in pay. I didn’t adjust my spending and ended up getting credit cards and payday loans. I think ALL together I have around $5000 worth of debt. That is why I’m moving back in with my parents for a little while. Not only to I want to get all of that paid off but I would also like to learn how to manage my money better so that this never happens again. I don’t want to end up like some of my family members who despite making plenty of money still struggle financially. My parents however, are really good at managing their money and I am hoping to learn from them when I move back in. Discipline…and self-control…I think those are the keys for this goal and so many others.

I don’t have any credit card debt or debts due to overspending, but I can’t seem to save my money! I’ve tried to keep track of my spending but have been pretty bad at doing that in the past. Right now, I’ve been writing down what I spend and taping all my receipts into a blank notebook day by day (a page for each day) and this is working the best for me somehow. For some reason the act of physically taping my receipts into a notebook make it easier to keep track of my expenditures and it’s fun to put a line through days that I don’t spend anything at all. It’s low-stress and makes me be more conscious of what I buy and how to allocate for things I want/need in the future. It’s also a good way of record-keeping in case your statements or bills don’t add up somehow. Hopefully, from here on I can take bigger steps towards saving larger amounts of money.

I suck at managing my money, its all my fault of course, I wanted to see my boyfriend in Cali and I took out a couple of payday loans, now I can hear everyone screaming what a fool, what a nincompoop! I want dispute or debate it. Its not the loans persay but its the fact that I had overdraft fees that caused me to go over on my account and a whole lot of other BS, I can’t wait to get this frustration out of my life. I have to pay this crap off! My boyfriend is unemployed and he needs help and I simply can’t help him because of my situation. I’m not in a good place. I have to hurry and get a second job.

So right now my belt is pulled, I can’t afford to buy one single thing and I’m juggling bills like crazy, hopefully November will be better, I can get rid of some of these loans, so now I have a sucky job with debt lol! I’m a mess! Still smiling and pushing forward.

I’m so over payday loans it’s not even funny!