One aspect of my life that has changed drastically over the past few months has been my financial situation. This is because I decided not to get a job first semester, and the sudden stop of income really has really been something that I’ve struggled with. I got my first job as soon as I started to drive which was around the same time that my parents stopped paying for everything. This was about two and a half years ago, so by the time that college came around I had created a very good spending to income ratio. However, with this I never realized how much I spent, especially since I had always thought of myself as a saver. The first couple weeks gave me a huge shock when it came time to paying my bill. I had not realized how careless I was being with my money, and had not prepared myself for the amount of times that I would be eating out. It took me about a month and a half to really figure out how I was to be spending my money.
I realized that if I were to pay with things with cash, I was much more likely to spend less. I think this is because it is a more visual representation of my money leaving it’s not just a card I can swipe anytime. I also will start looking for a job for next semester because if I can get a little bit of money flowing in, I would love that.