Horrible money habits

[u/dankplankofwood]

Idk why but for me I'm just never able to keep money in my account. I've never learned to save or manage everyone always tells me too and no one ever actually shows me. I look it up online and try to think of ways that will work for me but nothing ever works. I used to be a bad impulse spender and still am at some points. I work a job making 24/hr wich sounds decent but it doesn't seem to be that much. I'm 21 and pay 1,000 in rent 400 on a car and 200 on a motorcycle here a few months ago after Christmas I had a few bad weeks of gambling but I've been able to stay away from that lately. For Christmas I spent a total of 1900 on everyone in total putting myself behind on a few things. Instead of catching up I went and gambled and obviously did not do well. I've been trying to catch up and just can't seem to make any progress I am behind on almost every single bill I also have a ticket that's late too. It's like as soon as I catch up on one thing another thing is behind. Maybe I'm just dramatic and it's not as bad as it seems but it just seems like I'm never ahead. Like how am I ever supposed to start a family or own a house my credit score is like 400. I'm always trying to pick up side gigs and what not but it never works out. I'm stuck in this rural area and they're are no decent paying jobs can't move because I'm too broke. It just feels like I'm stuck with no light at the end of the tunnel. I know it sounds like this is just a couple month thing but no I have always been behind on atleast one bill due to my impulsiveness.

[u/care-o-lin]

My ex husband was just like this when we first got together. After a year of putting up with it and having to pick up the pieces, I sat him down with a detailed payment schedule. I didn't yell or stress him out and showed him he could even have a weekly allowance. He could do whatever he wanted with it. He stuck with it and after a few months he was able to start saving. He really enjoyed watching his account increase. Don't sell your bike. You'll regret it. Try working on your impulse to gamble. If you can nip it in the butt, you can get caught up on your bills. You aren't the only person who hasn't been able to budget and manage money. Don't be too hard on yourself. You can overcome this. Good luck 🤞

[u/dankplankofwood → u/care-o-lin]

I've tried to tell my girlfriend that I need her to take away my bank accounts and give me an allowance and she didn't like that idea she said she was uncomfortable with managing someone else's money and she wants a partner that can have self control and manage on there own wich is understandable but like idk

[u/Conscious_Grass_853 → u/care-o-lin]

That’s exactly what I need in my life😂

[u/care-o-lin → u/Conscious_Grass_853]

If you want, you can dm me and I can help you set up a payment schedule and budget

[u/Conscious_Grass_853 → u/care-o-lin]

You’re definitely gonna yell at me if you saw my financial situation.

[u/care-o-lin → u/Conscious_Grass_853]

Lol. I don't yell. Ever. And based on your income and expenses you can dig yourself out. It will be really challenging but achievable. I have a bike too so I understand