Lucashood2018
Registered User
- Messages
- 8
I just turned 40 and I have been very bad with my earnings throughout the years, I basically just spend frivolously and have done so through the years. I'm embarrassed to admit I live from pay cheque to pay cheque despite earning very good money. At my age with my salary I should have a house nice car and plenty of savings and investments but I have nothing to my name.
My basic salary is quite modest at 35k gross but when you factor in shift bonus and on-call payments my salary is dramatically increased to 70k. Because I earn such a good wage I've been able to get away with no saving for things like holidays etc because 1 or 2 months wages will cover it anyway and I have very little fixed costs. I don't have a mortgage , no loans and I'm single with no dependents so I should really be in a good place financially. My bad habits are drinking expensive bottles of wine and going out for expensive meals regularly. Would appreciate some advice
My basic salary is quite modest at 35k gross but when you factor in shift bonus and on-call payments my salary is dramatically increased to 70k. Because I earn such a good wage I've been able to get away with no saving for things like holidays etc because 1 or 2 months wages will cover it anyway and I have very little fixed costs. I don't have a mortgage , no loans and I'm single with no dependents so I should really be in a good place financially. My bad habits are drinking expensive bottles of wine and going out for expensive meals regularly. Would appreciate some advice