coffee Convos

Being in your 20s in today’s society is… an experience. You’re suppose to do this and this, but you’re definitely not suppose to do that.

Our finances? Almost non-existent.

But if you by chance find yourself living paycheck to paycheck, you’re not financing correctly. It’s one of those daily thoughts that drain your mental health and you decide to spend even more money to cope.

If you’re doing your 20s correctly (which I personally don’t believe in such a thing) you probably have your finances set and a stable plan in place for your future. Though, that’s what being in your 20s is suppose to be about.

The unexpected.

Sure, you can open up an index fund, invest your money in different tech companies, or have a high yield savings account. All these are excellent things to be thinking about it your 20s. But if you can’t figure out how to budget your money, it’s just going to be the same cycle everyday.

Paycheck to paycheck. Portions of it going to different bills and accounts, while you blow the remaining money to give yourself temporary pleasure.

Personally, I find budgeting difficult because I’ve never had any guidance for what a good budgeting plan looks like. I just knew temporary pleasure.

Priorities within your financial budgeting is a start in the right direction when trying to change your life in the future.

If you don’t know where to start, why not start small.

When I first started budgeting, I used a mason jar and decided that every ten dollar bill I came across for a month, I would drop it in that jar and forget about it. Ten dollar bills were no longer associated with my spending money, but with the mason jar.

It wasn’t long before a month went by and I save up hundreds of dollars.

Budgeting can be difficult, but being consistent even if it’s just a penny at a time, will change the direction in which you find your finances.

Until next time…

Sweet T.