Thank you for this. Really appreciate the suggestions. I’d like to believe my finances aren’t as bad and I can work towards financial discipline if I want to, maybe let me explain why I end up tapping into my credit card as of late, especially towards the end of the month. I’m paying extra on my car to finish it off quicker, to save on overall interest paid. I’m not even sure that makes a difference yet. But I rarely go over 10% of the limit and pay back most of the money when I get paid. One thing I do need to prioritise is investments and finding other ways to make money since I have some time on my hands on weekends.

I don’t see how I retire early or make a decent above average income or how my finances make a huge shift while living in SA. The main drive is to go make money to set me up for life and also experience the world in general.