Just save your money. Don’t worry about the markets.
Less eating out or ordering. Commit to 4 hours Sunday to prepare economical, healthy food for the week.
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Every paycheck I budget down to the dollar where the money is going to go.
I personally like using
envelopes. Some include gas, groceries, eating out, rent, tattoo saving, and whatever else that’s important to you
Build a excel with all your expenses. I mean ALL. From every streaming channel to your daily Starbucks. Then put in your income and see what you are bringing in vs spending. Once you see how much you spend on certain things it’ll motivate you to cut some expenses. I’ve helped many friends bring their credit scores up, get rid of debt and build savings. Happy to go into detail if you want more help. DM me.
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I’m getting a better job. Not making enough to save.
Biggest tip is living below your means. Bought my house when I was making 2/3 of what I make now, but resisted the urge to upgrade. I get certified preowned cars. Buy quality used furniture. Don’t gamble. Don’t buy luxury brands (but do buy quality). Repair rather than replace.
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Set up a automatic deposit into brokerage acct which invests in sp500. Dont touch it for years. Watch it grow
This is the most sound advice to me. I bought my house when I was making more than I make now, and if I had spent more back then, I would not be able to swing it today.
There’s an app called Every Dollar.
Follow Dave Ramsey
Open a savings account and have automatic transfers. Don't access the account or look at it.
I make my instant ice coffee at home instead of buying out or buying an energy drink. The savings add up pretty quick