I just want to start off by saying I feel pretty ashamed of my past choices and I’m really trying to turn things around. I went through a tough time with a gambling addiction, but I’ve banned myself from casinos now. The problem is, I have zero savings and a bit of debt. I make about $3,500 a month and want to start saving for retirement, but I need some solid numbers to follow. Any help would be super appreciated!
First off, good on you for recognizing the need for change! Start by focusing on paying off that credit card debt. It’s crucial since those interest rates can really get you.
Also, have you thought about cutting back on eating out? That $150-200 a month can add up fast. Meal prepping can save you a ton!
Consider using a budgeting app! It can help you keep track of everything and make it feel less overwhelming. You can even set goals and reward yourself when you hit them.
You should definitely start a savings account too. Even if it’s a small amount each month, it adds up over time. Maybe aim for $100/month to start?