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Tatsumi · 31-35, M
15% is saved regardless of anything. That money is not touched unless life and death is involved. Doesn'y matter how much you make. 15%. It's a life tax.
Reduce your standard of living to bare essentials, if you don't make enough money to save 15%.
Use an app to keep track of ALL of your spending, and you'll prolly be surprised at how much unnecessary shit is in there.
Buy meats at night. Grocery stores will give a decent discount on meats about to expire.
Rice, tuna, oats, PBJ, beans are low cost staples and are actually good for you.
Don't eat out. Ever.
There are free alternatives to a lot of things. Instead of buying books, get them from your library. Can even get a lot of e-books loaned out through Overdrive app.
Main thing is saving, regardless of what you think you need. 15%. Off the top.
You can split that into 1 emergency fund, and one LIFE OR DEATH fund. I do 20%, 10% in each. It sucks. But at least I'll have money when I need it. That's not my money, it's future Tatsumi's money.
Reduce your standard of living to bare essentials, if you don't make enough money to save 15%.
Use an app to keep track of ALL of your spending, and you'll prolly be surprised at how much unnecessary shit is in there.
Buy meats at night. Grocery stores will give a decent discount on meats about to expire.
Rice, tuna, oats, PBJ, beans are low cost staples and are actually good for you.
Don't eat out. Ever.
There are free alternatives to a lot of things. Instead of buying books, get them from your library. Can even get a lot of e-books loaned out through Overdrive app.
Main thing is saving, regardless of what you think you need. 15%. Off the top.
You can split that into 1 emergency fund, and one LIFE OR DEATH fund. I do 20%, 10% in each. It sucks. But at least I'll have money when I need it. That's not my money, it's future Tatsumi's money.