What is this wizardry

[Tear]

How did I have more money when I was unemployed vs employed. How did I spend like $1000 in a month and always seemed to have at least $100 in my wallet but now that I’m employed I have less money? Where did that mysterious force of income go

 

[2R0I2P0]

How did I have more money when I was unemployed vs employed. How did I spend like $1000 in a month and always seemed to have at least $100 in my wallet but now that I’m employed I have less money? Where did that mysterious force of income go

rent? you live alone now? you have more expenses?

 

[2R0I2P0]

rent? you live alone now? you have more expenses?

i don't know just be disciplined theory

 

[Tear]

rent? you live alone now? you have more expenses?

Nah literally nothing has changed. I don’t have any more expenses than I did before.

 

[2R0I2P0]

Nah literally nothing has changed. I don’t have any more expenses than I did before.

print your bank statements and put them into excel to check where tf is your money going

 

[Tear]

print your bank statements and put them into excel to check where tf is your money going

I actually think I know. Uhhhh I may or may not have spent it all on pokemon. But it’s weird because before I always had money for pokemon

 

[Tear]

print your bank statements and put them into excel to check where tf is your money going

Oh nvm it’s literally just because it’s not in cash anymore. I have money but it just feels like I don’t because I can’t physically touch jt

 

[2R0I2P0]

Oh nvm it’s literally just because it’s not in cash anymore. I have money but it just feels like I don’t because I can’t physically touch jt

yeah man, that's the thing of online purchases they don't hit your account until they hit the account.

 

[Tear]

yeah man, that's the thing of online purchases they don't hit your account until they hit the account.

Yeah. I haven’t made any online purchases yet so it’s all just sitting there

 

[2R0I2P0]

yeah man, that's the thing of online purchases they don't hit your account until they hit the account.

i think theres like a 15% increase in spending if you only use your credit card

 

[Tear]

i think theres like a 15% increase in spending if you only use your credit card

Yeah. I don’t even have a credit card yet. It’s a debit card but I don’t even remember where I put it. I wouldn’t get a credit card yet because I’m a little too young but the drawback is Im scared to bring my debit card because I could get drained

 

[2R0I2P0]

Yeah. I don’t even have a credit card yet. It’s a debit card but I don’t even remember where I put it. I wouldn’t get a credit card yet because I’m a little too young but the drawback is Im scared to bring my debit card because I could get drained

im a little bit older than you i think then, if you want financial advice.

always be aware of your balance check,
try to save everything you can and invest in govt bonds so you literally cannot get your money back at the bare minum of a six months time period.
as well as use your credit card as a debit just as said always be aware of your balance check

 

[Tear]

im a little bit older than you i think then, if you want financial advice.

always be aware of your balance check,
try to save everything you can and invest in govt bonds so you literally cannot get your money back at the bare minum of a six months time period.
as well as use your credit card as a debit just as said always be aware of your balance check

Yeah. Im not doing much right now, all Im doing is investing In my Roth IRA. I would use a credit card but I would probably have to link it to my parents account first so I could piggyback off of their credit score