#saveyourmoney

June 2019

Drugs are bad, and I feel bad for people who feel they need them. I feel bad for people who took them to fit in. I feel bad for people who needed an escape from a reality that was painful. Alcohol is a drug too, just as much as nicotine and marijuana. Everyone has a drug that they’re addicted to. Some are just killing us faster than others.

I’m not saying drugs are okay. They most definitely are not, but so is abusing your child or rape. Domestic abuse and gang violence and all of it is not okay. There is so much in this world that is not okay. I know it may feel like you need to leave, to find a whole new world to escape this one. But all the rest of us… we’re all trying our hardest too. It sucks out there it really dose. But hope keeps us going. Hope for a better tomorrow, hope for good friends, hope for a good job, hope for affording an education. Hope that we get through tomorrow, hope that we dont fall on our asses.

You don’t need drugs to get by, there’s so much more you could be doing than that with your time, to make you happy. Much more healthier option, even drinking sodas, or going boarding, even doing marathons on foot or on a screen. I’ve learned life sucks, but you’ve got to keep your mind level. You’ve got to hold on to who you are. Drugs change you, and there are people out there who love you for who you are not what you are when your drunk.

Earlier this year I used my Affirm account for just about everything. I got to about $3500. Then Affirm reported to Experian and there went my credit. Equally, the bank that Affirm worked with had a data breach.

I would have done better just paying off my existing credit cards and not spending any extra money. In about a period of 3 months I paid off $2000.

The interest rate was 29.99% for most of the loans. It was heartbreaking. Granted, I am now dwindling it down to under $1000 and just wipe it out.

Equally, then just take out the credit cards. Take them right out because as I demonstrated in 75 days I was able to pay $2000 that is 2 and a 3rd of my four credit cards paid off. In that period I paid for Dental and Taxes by dwindling my IRA. I also moved spending $3000 to move ( deposit and rent ). That was really expensive.

As responsibilities age, young professionals in their 30s tend to be more committed to their work and cautious with their finances.

The investments should begin by the age of 30s. If you wish to live a peaceful and independent life once you quit working, start investing now.

Here are 4 Ingredients For Enduring Investment Philosophy. 

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