Financial Happiness.

The picture has nothing to do with my blog… it’s just that I’m writing this in my bath haha. 

I am getting straight into this one, because I find it highly important to embrace your financial situation. 

No matter what your job is, do it with pride and do it well. 

Growing up was different for me than it was for everyone else. This is because I am me, and you are you. Everyone has had a completely different upbringing and most of you should be accepting and thankful. 

I grew up not having a lot, but having a lot. Huh? What? I’m serious though, I didn’t really have the finacial status with my mum to be buying fancy clothes etc, but I had a great financial situation with my dad overseas which helped me get the necessary stuff I needed to grow up.  Mainly school stuff like laptops, books etc. We had enough funds to afford a roof, a car, food and gas. At that time, it was plenty enough.  

Then I began working, immediately appreciating the money I recieved.  Honestly, probably wasting the majority the first couple pay checks, but after I definitely looked after it.  When I discovered a regular income I set myself up for success, organizing my money as it came it.  I managed to move out, pay my own bills and have a great social life at 18. 

I love that I am good with money and although I put myself down ALOT about my savings and get stressed when things pop up that I can’t really afford, I am proud of myself.  

Today was a good day money wise.  I got paid, which is always good, and had enough to start my savings up again.  My bank is great and lets me open mini accounts within my main one. I can then distribute my money into these accounts. As of right now, I have a ‘bills’, ’emergency’, ‘vacation’, ‘house’ and ‘retire’. All my money goes into my checking and that’s when I move it into these accounts.  My car payment and credit card are also done through this bank so it’s super easy to do my transfers too!

As a server it is difficult to depend on tips for your financial figures.  One thing I like to do is imagine the lowest I could possibly get that day and when I get more I save it! For example, as of right now I have split up my bills so that 165 of my check (which happens twice a month) goes in and 200 a week from tips goes in.  This means I need 50 bucks a day in tips to be able to afford my monthly bills. Anything extra I make goes towards savings accounts. As of now I am using the rest of my pay checks towards the house, retire and emergency accounts and using the remaining tips to pay off my credit card and eventually save for my vacations. 

Its probably super confusing to read that, its very hard to explain writing it down. The reason I am telling you this, is that maybe you can , if you are strugglingwith finances, use it to help yourself! All you need to do is designate all your money to one place. It would be even easier if I knew how much I was definitely getting every month.

Prioritize aswell people! I said no to a lot of things this week that I knew would cost me a tonne. I want fun vacations and I wont let people convince me to spend money I don’t need to!

Anyway, stay strong people. If you want to do something, then do it.  The only person holding you back is yourself. 

Peace out, yo.

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