First Post.
I'm 24 and making roughly 50k a year as a financial analyst
I have 25k in the bank & 10k spread throughout investment accounts that I never plan to take out.
I have 30k in student loans that I plan to pay off in full once I reach about 40k saved. paying about $600 a month on it though for now.
I like in HCOL area
I set a budget for myself and update it monthly. I sell things online and do little focus study groups for extra cash every month. Actively working on increasing m salary but honestly I dont plan to commit to the work, punching the clock lifestyle - Plan to do something on my own which is another post in itself.
I'm pretty active on how I manage my finances but it's making me miserable. My ideology is 'If I can't pay cash for it, I cant afford it'. I avoid monthly payments at all costs. I never feel like I have enough. I'm not here to complain about my situation..rather I feel anxiety every time it comes to spending my money. It is effecting my relationship with everyone around me. Even things like buying tickets for some event, date nights, or simply buying myself food stresses me out.
I'm dramatic ...but I'll start thinking things like..."how will I afford to buy a house? I need a huge down payment" "I'll never be able to buy myself another car". "How can i ever afford to get married?" "kids? forget it." idk.. personally I feel like I just don't have enough wiggle room to comfortably invest, save, AND spend.
Not really sure what I'm looking for with this post.. but I guess some input from people who have went through the same self-induced stress would be helpful?
** EDIT: It's not really about budgeting for me...because I am very meticulous with keeping a budget. I allocated spending money for myself every month but I feel anxiety SPENDING that same money I allocated for it and then I just end up not even spending half of it.
Submitted January 04, 2019 at 10:35AM by cjwarri0r http://bit.ly/2VwXwen
