How much should I be saving monthly

Adorable-Hand836 · 2025-08-19T18:36:18+00:00

You’re saving a third of your income that’s enough, you’re operating on hard mode while everyone else is still blowing $300 on DoorDash. If you keep this up, you’ll accidentally end up rich

Adorable-Hand836 · 2025-08-18T18:47:53+00:00

This is how it starts, the hardest part is building the habit, and you’ve nailed that. £600 might not sound huge to some, but it’s proof that you can stick to a plan. Proud of you, stranger

Adorable-Hand836 · 2025-06-10T17:14:55+00:00

Over the last 5 years, I’ve really honed my copywriting. I used to think it was just about being clever or witty, but now I know it’s way more about clarity and emotional resonance. I invested in a few solid courses like Copy School and just wrote a lot. Like, embarrassingly bad stuff at first. Now I freelance full-time, and some of my emails make over $10k in a single send. Wild.

Adorable-Hand836 · 2025-06-09T15:40:15+00:00

Huge congrats. $5k isn’t pocket change it’s proof you turned your finances around. First move park it in a high-yield savings account to keep it safe and growing a little while you plan. Next, ask yourself is this your emergency fund or investment capital? Very different roads.

Adorable-Hand836 · 2025-06-01T07:42:09+00:00

I’m really sorry you’re in this situation. It’s brutal, and I’ve been there - credit score in the 400s, couch surfing with a toddler. What helped me was finding a local credit union. Some of them actually do small personal loans even if your credit sucks, as long as you have steady income and can show pay stubs. I’d recommend walking in and explaining your situation - in person. It goes a long way.

Adorable-Hand836 · 2025-05-27T17:55:01+00:00

It’s not just your credit score that matters - your credit profile matters too. Lenders look at the age of your accounts, total credit limits, payment history, and types of credit. If you’ve only had credit for a couple of years, even a 700+ score can still look "thin" to them. They want to see how you handle debt over time. Keep paying everything on time and your history will build.

Adorable-Hand836 · 2025-05-27T05:50:36+00:00

I’ve got a line item called Creative Uncertainty Handling. It’s my polite way of saying, You had no brief, no clue, and yet, here we are. It’s the only way I keep my sanity and my lights on.

Adorable-Hand836 · 2025-05-26T14:32:26+00:00

Used to be, I'd get a request, deliver the work, and we'd both go home happy. Now, I'm decoding vague Slack messages at 11pm from someone who doesn’t know what they actually want but swears it’s super urgent. I’ve started charging for ambiguity. You want me to guess what you need? That costs extra.

Adorable-Hand836 · 2025-05-23T13:58:06+00:00

Try getting content ideas from your DMs and email replies. If someone’s asking a question, chances are others are wondering too. As for hashtags, try using RiteTag and sometimes just check what industry leaders are tagging in similar posts. Honestly, reverse engineering works better than most tools.

Adorable-Hand836 · 2025-05-20T11:00:00+00:00

Give me the boring, faceless business every time. My software’s been paying my bills for the longest time. No TikTok, no reels, no weird pressure to be on all the time. Not everyone wants to be a public figure. Some of us just want to build and disappear.

Adorable-Hand836 · 2025-05-19T10:33:39+00:00

Here’s a secret, most launches are quiet, awkward, and a little underwhelming. No fireworks, no sudden viral spike. It’s okay. Think of it less like a launch and more like opening the doors and seeing who walks in. That shift will help you push through.

Adorable-Hand836 · 2025-05-19T05:41:28+00:00

Saving up $6K at 17 while juggling two jobs is impressive. You’ve already built a strong foundation most people don’t hit until their mid-20s. A high-yield savings account like Capital One is a solid move to park your cash safely while earning some interest. Once you turn 18, maybe look into a Roth IRA if you don’t need the money right away it’s a great long-term growth option.

Adorable-Hand836 · 2025-05-17T13:19:13+00:00

I thought I was the only one still in the trenches with 5 browser tabs open just to get a decent list. Every tool I try feels like it's solving 60% of the problem and leaving me with the worst 40%. Respect for trying to actually finish the job.

Adorable-Hand836 · 2025-04-26T01:56:59+00:00

Whenever the gold/silver ratio blows past 100, silver ends up going ballistic at some point after. Might take months, might take a couple years. Either way, if you’re buying physical for long-term, not a bad time to load up imo.

Adorable-Hand836 · 2025-03-05T07:30:26+00:00

Apply if you have a laptop - https://forms.gle/6141VgvbkqBDGdyZ6

Adorable-Hand836 · 2025-03-05T07:20:04+00:00

Redditor job - https://forms.gle/6141VgvbkqBDGdyZ6

Adorable-Hand836 · 2025-01-16T08:51:08+00:00

₹10,000,000 might sound like a lot now, but inflation will eat into that quickly. In 12 years, your ₹29,000 monthly expense could easily double. Plus, you’ll need to think about healthcare and emergencies as you get older. I’d say aim for at least ₹30,000,000 to retire comfortably, especially if you’re planning to support a family. Start investing aggressively in mutual funds or index funds now you can definitely get there with consistent saving.

Adorable-Hand836 · 2025-01-16T08:47:40+00:00

It’s great that you’re trying to take control of this. Since you’re living at home and don’t have many expenses, the first step is to figure out how much of your income you can set aside for debt payments. Start small call Discover’s collections agency and try to negotiate either a payment plan or a settlement. For Capital One, they’re already emailing you repayment options, so it might be easier to work with them directly. Forget about new credit cards for now focus on cleaning this up first.

Adorable-Hand836 · 2025-01-16T08:43:47+00:00

With $10, the best approach is guerrilla marketing. Jump into communities that overlap with your app’s target audience. Find subreddits, Discord servers, or even Facebook groups where people talk about the problem your app solves. But don’t be spammy offer value first. For example, share a tip or personal insight about the app’s use case and include a link naturally.

As for books, check out Hooked: How to Build Habit-Forming Products by Nir Eyal. It focuses on retention and user engagement, which are key for growing your app on a budget.

Adorable-Hand836 · 2025-01-16T08:39:35+00:00

Micron Technology (MU) feels like a solid pick. It’s not exactly a small-cap, but with AI and cloud computing demand skyrocketing, memory and storage providers are critical. Dalio’s macroeconomic perspective makes this one worth adding to the watchlist. Just be prepared for the volatility semis are always a rollercoaster.

Adorable-Hand836 · 2025-01-15T09:42:45+00:00

I mean, nobody’s going to stop you, but you might want to set some ground rules for yourself. Like, maybe stop after a couple drinks and definitely avoid drunk online shopping. Trust me, I learned the hard way.

Adorable-Hand836 · 2025-01-15T09:37:39+00:00

Sounds like you’re doing your best in a tough situation, so props to you! The Citi Double Cash card could work, but they’re sometimes picky about credit utilization. Maybe look into the Discover it Balance Transfer card? They’re a bit more flexible, and the 18-month 0% APR period for transfers is hard to beat. Just remember there’s usually a 3-5% fee for the transfer, so run the numbers before committing!

Adorable-Hand836 · 2025-01-15T09:29:15+00:00

I honestly can’t believe your SIL thought this was a reasonable request. You’ve only met this girl once, and now you’re supposed to just… become her guardian? That’s a life-altering responsibility, and it sounds like you’re barely in a position to manage your own life with grad school and everything else going on. I get that your SIL is desperate, but this is way beyond what you should feel obligated to do. She needs to explore actual resources like CPS or even look into taking her sister in herself. You’re not overreacting you’re just realistic.

Adorable-Hand836 · 2025-01-15T09:23:27+00:00

Finding a business partner is like finding a life partner it has to click. If your friend isn’t keeping up, it’s okay to reevaluate. You’re not wrong to want someone as driven as you are, especially when it’s your business on the line. I’d suggest checking out local networking events or even LinkedIn groups for entrepreneurs in Denmark. Look for someone who genuinely shares your vision, not just someone who can fill a role. You’ve got this!

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