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How do you deal with being broke? (lemmy.ml)

submitted 1 year ago by [email protected] to c/[email protected]

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I'm in my 30s so I should be used to this by now, but this shit is getting so stressful guys. I have no savings, my checking account is drained every month with rent, and if there's ever a serious emergency I have no safety net, I'm legitimately fucked. I'm one unplanned expense away from absolute ruin. Those in the same boat as me, how do you deal with this?

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[–] [email protected] 0 points 1 year ago

Consider finding a budgeting tool to help. I use YNAB (though it’s gotten kind of expensive at $15/month) that keeps me in line. It’s a cash spending budget model that keeps me focused and away from credit card debt and ultimately saves me far, far more than the $15/month fee. It’s especially helpful if you have shared finances with a partner.

There are lots of good options out there from free to more expensive than YNAB, but a good tool can go a long way to helping you maximize what cash you do have.