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How do you deal with being broke? (lemmy.ml)

submitted 1 year ago by quinnly@lemmy.ml to c/asklemmy@lemmy.ml

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I'm in my 30s so I should be used to this by now, but this shit is getting so stressful guys. I have no savings, my checking account is drained every month with rent, and if there's ever a serious emergency I have no safety net, I'm legitimately fucked. I'm one unplanned expense away from absolute ruin. Those in the same boat as me, how do you deal with this?

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[–] Screwthehole@lemmy.world 5 points 1 year ago

When I had a job that didn't pay enough, I did side work. For me, for a long time, that was reffing mens hockey.

Another time I was struggling I approached my boss and said I know I'm not your best employee right now, but I want to turn it around and get into a higher paying position. What do you need me to do? Then I did it, and moved up.

5 yrs ago we moved to anew city and I started over in a new thing. I took a job that didn't really cover our bills, and my wife and I had to make some cuts.

But I wanted certain freedoms like the freedom to do my hobbies or take a vacation, so identified ways to earn additional income through the job I had (in my case it was handling little repairs like replacing smoke detector batteries and light bulbs, installing missing door stops and changing deadbolts). I've kept grinding until I took over for my boss, and I continue to handle repairs also. Effectively I work a job and side job at the same time 6 days a week. I work fucking hard, but I had nice vacations with my fam this summer, live in a good house and drive a good vehicle.

So honestly - and while I don't think this is how it should be - in the system we have, I just grind harder. I am amazed at my ability to do this now in my 30s and now 40s compared to how lazy (in hindsight) I was in my 20s.

By the way! I'm also pretty happy now because my job is (mostly) ok, I don't dread Mondays or anything most weeks.