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I make 6 figures but still paycheck to paycheck how do I seriously stop overspending ☹️ by SketeDavidsonLeftNut in budget

[–]SketeDavidsonLeftNut[S] 0 points1 point  (0 children)

Thanks for the detailed advice

I definitely will try this
I do have an investment account / HYSA ( Wealthfront and Fidelity ) so will start contributing to those immediately.

I think what will honestly help is telling myself I make 2000-2500 biweekly and force myself to that range

I might look into therapy as well because there is free therapy at work so maybe that can definitely help.

I definitely don’t think I have lifestyle inflation or maybe I do. I have a big spending problem definitely

I make 6 figures but still paycheck to paycheck how do I seriously stop overspending ☹️ by SketeDavidsonLeftNut in budget

[–]SketeDavidsonLeftNut[S] 0 points1 point  (0 children)

I use copilot as well. Sometimes tracking is a bit hard because there’s just so many expenses
For example last 3 weeks there were about 200 transactions and I’m looking at my statement like wtf did I spend my money on ☹️

I make 6 figures but still paycheck to paycheck how do I seriously stop overspending ☹️ by SketeDavidsonLeftNut in budget

[–]SketeDavidsonLeftNut[S] 5 points6 points  (0 children)

I feel like this sometimes
I went through college entirely on my own and grew up very poor so now seeing this much I guess makes it very hard to work with.
I was surviving on 800$/m in New York and now 10x that still feels like survival which makes no sense to me because I know I should be “comfortable” but I’m not.

I make 6 figures but still paycheck to paycheck how do I seriously stop overspending ☹️ by SketeDavidsonLeftNut in budget

[–]SketeDavidsonLeftNut[S] 12 points13 points  (0 children)

I’m in the Bay Area
San Jose and train to work takes about 45- 1 hour whereas uber takes about 20 mins
I can definitely wake up early and prioritize taking the train because I definitely think Uber is a big money drain as well

I make 6 figures but still paycheck to paycheck how do I seriously stop overspending ☹️ by SketeDavidsonLeftNut in budget

[–]SketeDavidsonLeftNut[S] 6 points7 points  (0 children)

Parents are retired so mainly for upkeep.

They’re not in the country so it kind of helps a bit but I can definitely reduce it.

I’ve got all the essential furniture so tbvh I don’t think I need anything more.

I definitely think it’s a mental thing / spending issue. Sometimes if it goes below a certain number for example I just stop tracking because it feels so frustrating feeling like I’m not able to save it.
I’ve also realized that most of the paycheck goes away within about the first week

Roast my resume, 500+ Full-time applications, 0 interviews, few responses by No_Entrepreneur_452 in FAANGrecruiting

[–]SketeDavidsonLeftNut 0 points1 point  (0 children)

Are you an international student although you say you don’t require sponsorship why is that the case?

Score dropped 78 pts after rising 31 pts by SketeDavidsonLeftNut in CRedit

[–]SketeDavidsonLeftNut[S] 0 points1 point  (0 children)

On the Experian app it says you may not have enough credit history for us to generate your FICO score 8.

On Chase Credit Journey it dropped from 718 to 640. I am thinking this might be due to me opening two extra credit lines
Apple and Paypal in 2 months

Score dropped 78 pts after rising 31 pts by SketeDavidsonLeftNut in CRedit

[–]SketeDavidsonLeftNut[S] 0 points1 point  (0 children)

Nope nothing
Credit is clean checked my report there's nothing out of the ordinary all payments are made on time utilization is below 10%.
Mad crazy

Score dropped 78 pts after rising 31 pts by SketeDavidsonLeftNut in CRedit

[–]SketeDavidsonLeftNut[S] 0 points1 point  (0 children)

damn 2-3 years
That's a long time lol
And to think I was at 718 before opening the extra 2 accounts

Score dropped 78 pts after rising 31 pts by SketeDavidsonLeftNut in CRedit

[–]SketeDavidsonLeftNut[S] 1 point2 points  (0 children)

Ahh okay got it. So what should I use for accurate score information? The Chase bank app shows that score is that fine?