I have a full time job earning a modest pay in a public sector job. I've no kids and no mortgage yet I'm broke. I've been living pay check to pay check ever since I came back from Canada. I've a car loan and a credit card bill but no other out goings bar normal rent and utility bills yet I struggle to keep a decent cash flow going.
My lifestyle is killing me I suppose. I'm definitely living beyond my means. I've gone on a ski holiday this year, been to Liverpool a few times, gone to a few concerts and I have booked Vegas for Sept. I don't think I've gone a weekend without drinking in about a year.
Being broke is beginning to annoy me but I think money is all relative to me. If I made more and had more I'd just spend it.
So.... should I reign in the fun times a bit, settle down and save for the future or keep enjoying myself as much as possible while I can?
My lifestyle is killing me I suppose. I'm definitely living beyond my means. I've gone on a ski holiday this year, been to Liverpool a few times, gone to a few concerts and I have booked Vegas for Sept. I don't think I've gone a weekend without drinking in about a year.
Being broke is beginning to annoy me but I think money is all relative to me. If I made more and had more I'd just spend it.
So.... should I reign in the fun times a bit, settle down and save for the future or keep enjoying myself as much as possible while I can?
