this post was submitted on 11 Jul 2024
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How do I make enough money to live? (lemmy.world)
submitted 4 months ago by TargaryenTKE@lemmy.world to c/personalfinance@lemmy.ml
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Yes, I do have a full-time job, and I even enjoy it, but it doesn't pay enough to survive in this hellscape of a world we live in. I lack the college degree required to get almost any decent-paying job (plus my last job hunt took MONTHS to get a lead), I don't have the skills or originality to become an online content creator, nor the artistry or patience to create and sell trinkets on Etsy (plus, that would require an initial investment which I simply do not have). Should I set up a GoFundMe? OnlyFans? I wouldn't really be offering anything except a charity basket/collection plate so that feels dishonest at best. Idk, I'm quite literally having a breakdown because I'm probably going to lose my car soon, and then my job, and then my apartment, and then my life. Any help at all would be appreciated. Thank you

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[โ€“] Drusas@kbin.run -1 points 4 months ago (1 children)

This is great advice overall, but I would like to point out (though it does not seem to be OP's case) that if you have any medical issues, your mileage may vary. Medical issues cause expenses to be very spiky and unpredictable.

Of course, it still helpful having a budget, just expect your budget to get fucked occasionally (in the US).

[โ€“] sugar_in_your_tea@sh.itjust.works 2 points 4 months ago

A proper budget needs to be paired with a proper emergency fund. Priority should be:

  1. Stick to budget
  2. Get out of debt
  3. Save emergency fund
  4. Save for the future

And always look for opportunities to improve income, since that helps with each stage.