I [23 F] have set yearly goals for where I want my savings to be at by the end of each year. Savings for a house mostly but for other big things like a down payment on a new car, emergencies, etc.
The end of 2016 through 2017 was the first year my boyfriend and I were out and on our own. I made it a goal to have at least $2,000 in my savings at all times which I succeeded with. I was only working part time and did some housekeeping on the side.
2018 I wanted $6,000 by the end of the year; saving roughly $4,000.
This past spring, I was trending to do about $8,000 saved by the end of the year. I was doing SO well. I made it to over $7000 this summer and told myself, “I’ll move my goal up since I’m doing so well”.
Well guess what. LIFE. My boyfriend ended up losing his job and was out of work for almost 2 months, which led me to pick up some slack with food and things around the house in general. He had enough savings to just barely get himself by. He is currently in a more secure, higher paying job but he is still struggling to catch up with what he lost.
Last month, we decided to move out of our first little apartment after 2 years. It really was just unsafe and we couldn’t live with the constant fear of possibly coming back to our home in flames. We decided it wasn’t worth it anymore and found a beautiful apartment but it’s more money.
With that being such a last minute decision, we weren’t prepared for the financial stress of having to pay a deposit and first months rent up front, but we needed to get out. I had to front my boyfriend his half of everything and he’s been slowly paying me back. Now we are coming up on the first of the month, and I’m dreading it. We can of course afford the monthly rent, but I lost a big a chuck of money that had to come out of my savings.
It’s been a dabble here, a dabble there. I’m always so good about putting the money back in that I’ve taken out. But with these big bills, I just can’t right now.
I’m down to $5,800. I’ve been so down and frustrated with myself for letting it get that low. I never want to feel stuck or struggle. I needed to have a “heart to heart” with myself for a minute today and I finally told myself, that I HIT my goal! What the hell is wrong?! AND the year ain’t even over yet!
I know that I can bring it back up to $6000 at least by the end of the year, but it will be the bare minimum that I started out with. And I think that’s okay.
Submitted September 27, 2018 at 10:34PM by kaup_lapu https://ift.tt/2Ikmdo9
