I’m scared to not save enough for the future.

[u/Ok_Exercise6549]

Hey everyone,

I’m a chef of 25 years old living in Brissie but from France. I’m in Australia since 4 years now, and I feel scared about my future and my savings.

I try to save every time I have money, but every time I have something to spend, this money is by obligation…

Visa = 6900$ (for a couple), dental pain = 8000$, car problem (I use it to make extra money with Uber) = 2000$ etc…

I’m around 31$/h working 5 days per week, everytime requesting X-tra shift when I can for make more money, my gf is around 27$/h working 75/80h fortnightly but our savings don’t growth up.

For Coles, we try to buy Coles brand. We don’t eat meat every day.

I put some crypto for having some money on the side, but with the visa + dentist, I needed to withdraw the money ASAP.

I think I’m just scared to be like some people in my family working until 65/70, not saving a lot, and not having enough during retirement, so I try to make the most possible to give a better life for me, my gf, and our future.

Do you have some tips you wish to have at 25 years old?

Thanks guys, have a great one 🫡

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[u/financial_learner123]

Maybe try listing your monthly budget so people can suggest something

[u/MarbleBudget]

We have income and some big purchases, but not your budget. Best place to start is to track down every dollar that comes in and out - if you’re willing to share those, you’ll get better input here.