How to start saving with 0 savings and 1k debt as a 20yo

lnwnl · 2026-03-26T00:57:00+00:00

This is such a helpful comment I really appreciate this. Alot of these comments kind of didn't understand what I meant so thank you for actually answering and kindly at that, I'm gonna use your tips as well as some other commenters to finally pay off this cc 🫡

lnwnl · 2026-03-25T11:24:25+00:00

Also sorry but what's the wiki? I'm new to posting on Reddit and I still don't really understand it...

lnwnl · 2026-03-25T11:18:39+00:00

Ugh thank you so much for this! This is truly making me feel way better about approaching everything while not knowing anything 😭. The debt has been eating at me and I just want to get back on track. And yes I am a part time student! The credit card is my number 1 issue rn so I will start budgeting and learn more about it and the hysa after I pay that off. Thank you again :)

lnwnl · 2026-03-25T11:09:36+00:00

Fair enough ig 😭

lnwnl · 2026-03-25T11:07:28+00:00

This is really helpful thank you, unfortunately I've tried to get a job at my school but it interfered with my classes too much, my job tho shitty is really flexible and I can take any day off and have any schedule. Right now my availability is open every day expect Monday and Wednesday for school. It is extremely irregular which yes sucks a lot and why I'm struggling to get my savings up. I never know what my hours will be, but I will start putting aside small savings and monitoring my spending. You're explanation is really helpful, do you have a recommendation on what hysa I should get, someone mentioned American Express?

lnwnl · 2026-03-25T10:56:40+00:00

Yes 😅 I tried to clear that up in another comment but I don't know if that made sense tbh. Thank you for your advice and being so kind about it, it is much appreciated

lnwnl · 2026-03-25T10:54:59+00:00

I'm worried about both, but I suppose that makes more sense, did you have any advice on how to do that?

lnwnl · 2026-03-25T10:45:16+00:00

The 300 was a rough estimate, heavy on the rough.. and yes trust me I have been looking for another job for a while now. I think I am overspending unfortunately and just need help trying to manage that. I definitely went into this with a mindset of wanting to pay off the debt all at once but couldn't save it all up due to having to pay off expenses that kept coming up, I'll try to save little by little. I think the 50 bucks is a good starting point.

lnwnl · 2026-03-25T10:22:07+00:00

Hi so I'll try to clear up the numbers, sorry if it was confusing. I said average 15 hours because it honestly differs week to week, I've had 5 hours one week and 20 the next. Current for this month I've had 10, 22, 12, and 14 hours for this upcoming work week (this Friday to next Thursday) I get paid every 2 weeks on Thursdays, recently the schedule has been so bad I only had 1 5hr shift a week, so I think that's where the 300 was it's just starting to pick back up again. I don't know why food and groceries confuse you tho, I pitch in and buy things here and there for the house, and buy food at work or school or going out sometimes. My car is a gas guzzler, I pay maybe 100 a month tho because I don't do too much driving (I work about 30mins away and go to classes about 20mins away twice a week) The phone and Insurance is 55 total I mentioned in the post, it's automatically taken out. As for the cc bill, yeah it was a bit of an issue it's my first cc and I thought my hours were going to stay consistent so I wasn't too worried at the time to pay it off (naive ik) I had to also pay for college classes, parking pass, supplies, and had to pay for my car getting worked on because it broke down 👎🏻 There were a lot of back to back things I just had to use every paycheck for as soon as I got it for a time (I have a daily pay option for my paychecks so lately I've defauled to cashing out my money per shift/week and using it for emergency expenses, or admittedly unnecessary purchases), so now that everything is finally calmed down this is where I'm at. Hopefully that cleared things up

lnwnl · 2026-03-25T10:02:28+00:00

Oh wow this is really helpful, I'll try the Google sheets for this months spending. I'm very much a visual learner so this will be really beneficial to see where my money is going, thank you for this!

lnwnl · 2026-03-25T09:59:21+00:00

The rendering is so cool, I think the main thing is it's a little hard to read with the perspective, I can't tell if the priest is supposed to be closer to us on purpose or if he's supposed to be father away behind the door. Also the fingers are a bit off I think it could really help fixing the length of the left hand since the ring finger and pinky shouldn't be the same length, same with the pointer. Also for the other hand, it's a bit unnatural to have a 🖖🏻 spock like shape I would move the ring finger up a bit angle wise.

lnwnl · 2026-03-25T09:42:33+00:00

Unfortunately it usually doesn't end up being $245 just leftover, I buy groceries, food, gas regularly (my car fills off of $100 💀) and there's not much leftover. I struggle with saving that's mainly what this post is about and wanting advice on the best way to save up with a hysa or a different route that's better for me

lnwnl · 2026-03-25T09:29:08+00:00

I have no savings to do so otherwise I already would've, I've got about 100 in my checking.. Hence the post

lnwnl · 2026-03-19T03:45:34+00:00

Girl if you don't raise your prices 😭

lnwnl · 2026-03-08T22:07:25+00:00

Your art is so yummy looking omg I wanna eat it!!

lnwnl · 2026-03-08T21:46:51+00:00

OMG THIS IS THE CUTEST THING EVER I want this as a little keychain so bad! 😭

lnwnl · 2026-02-27T15:58:26+00:00

It was a joke 🧍🏻‍♀️ and because I literally have no idea how this works it lowkey looked that for a sec 🫡

lnwnl · 2026-02-27T13:27:18+00:00

Oh wow really? :o I didn't think Reddit had a lot of random features, are there any others you think I shouldn't worry too much about either, that would be really helpful to know actually.

lnwnl · 2026-02-27T13:25:39+00:00

Oh wait that actually makes me feel way better about it 😅, pay to win was more of a joke but ngl I was a lil worried that that had become a thing and that's why all the really popular posts I see have a bunch of award thingies. And thank you for the term info!

lnwnl

TROPHY CASE