When I was a kid I saved every dollar I would get from the Tooth Fairy, Easter Bunny, etc. I saved almost $20,000 dollars by the time I was 21 years old. I lived with a roommate and split the rent but still I didn't go anywhere or do anything. I barley ate or bought food because my roommate would demolish everything. So I saved whatever I made.
Two months before my 22nd birthday I found out I had a sarcoma in my right breast. After seeing a sarcoma specialists and having a lumpectomy I owed over $40,000 in bills. My mother graciously helped me but I was left with most of the hospital/surgeon bills. Keep in mind this was after PPO insurance. I had the money so I paid the bills all at once and didn't question anything.
Looking back I regret doing this, not only am I left without any saving today, I honesty have lost my passion to save. Frankly because I was so used to having the money. If I wanted something I bought it. No coupons needed. Nowadays its a struggle to pay rent and eat. I've reached out to our government system and have either been denied, or bypassed. I don't have kids therefore I don't matter. It sucks but it is kinda how I feel.
So while I do coupon, and try to stay with a budget, I can't figure out how to save money! I'll put it away and by next week I be through half of it. I looked at the envelope system, mobile apps, and even mint.com, and nothing. I usually just get fed up with how little money we have and say "fuck it- I'm hungry".
I finally paid off one credit card with student loans, but still owe my school $700 and have a credit card that is almost another $700. So now, not only am I not able to save, I have outstanding debt that is dragging my credit score lower, and lower.
I guess this post is more of a cry for help than advice.. so I'm sorry. No one is perfect, but perhaps someone has a better method and could help me out.
Thank you readers!
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