So I have been out of university for about 3 years and now make a lower class income. I have been working hard the past few years to build a saving account for emergencies, pay off loans, and better myself. I essentially live paycheck to paycheck and get into this negative mindset every time something comes up that will cost a lot of money. Recently, it has been my decision to straighten my teeth and realizing that it will cost about $5-8k. I will likely finance this and have good credit, so it’s fine, but I just feel like the struggle/debt will never end.
Do most of you guys have this dread and panic when you need to pay for something important?
I guess I’m looking for validation and also advice on getting out of this cycle of barely meeting my needs. Or anything else I guess. Thanks guys
EDIT: I have a decent budget and include my savings/emergency fund in my expenses so that’s what paycheck to paycheck means for me. I’m not unable to pay my bills, but I have a shit salary for for what I owe. And I have already cut down my expenses as low as I can.
Submitted September 06, 2021 at 10:43PM by Thehungrytherapist https://ift.tt/3BMCtJ7
