- 5 years ago
- Wedding: May 2018
As per a recent thread on financial ir/responsibility, I am terrible with money. I spend money I have and often some I don’t (although I have never taken out a personal/bank loan and don’t have credit cards) i just borrow from FI or family, or use money in an account I am not meant to touch (dividends from shares that are for reinvesting)
mostly junk food I am ashamed to say, as it has become an addiction for me over the years. often I will buy books or DVDs as well. Clothes are not as often, usually just when I need them, such as when my clothes don’t fit or have large holes. Shoes are even further down the list.
I have $0 in my normal bank accounts, one linked to my card and one a sub account for savings. so I have nothing. I have just over $40 in my wallet, a fair chunk of which will go to buying a bottle of wine for my FILs for their birthdays (they are about a week apart, so I usually get them a joint present) and a small toy motorbike for my dad (he said he wanted a motorbike, so i thought a toy one would make a funny present) for father’s day.
I am unemployed and currently seeking work. I have several savings goals, just don’t know how to achieve them, but my first priority is paying my FI back. I owe him about $800 overall for the several months I have been not working.
HELP, any financial advice would be appreciated!