I've known for a while that I suck a lot at saving money. I feel that in many respects, I am mature for my age, but nowhere reflects my 24-year old being than my financial assets, or lack thereof. A part of it is because it was not a value really taught in my family, and I'm not sure if anyone in my direct family is that financially responsible (no offense, fam) and was able to set a good example.
I think the second key ingredient to my lack of financial responsibility is that I am so into the here and now, and don't think enough about the future, or the possibility of a rainy day. Perhaps it's because I've always had the morbid mindset that I could die any moment, so while I'm here, I might as well use the money I currently have to buy cute clothes and shoes and go on charming little vacations to other places. It is not a completely unreasonable logic... What if I had $500,000 in savings right now (bwuahaha), but died tomorrow, and had no great traveling experiences to speak of?? That would just suck. I probably need to eventually find a happy medium, cause I do think it IS good to live in the here and now, but it's not great to be inconsiderate of my future self.
It definitely doesn't help that I live in an expensive city, and live by myself in a pricey neighborhood. I am not big into brands when it comes to fashion, but I have fashion ADD and my style is ever-changing, so I feel like my wardrobe needs to as well. I have this horrible food and Yelp addiction that leads me to want to try every restaurant, and eating out often gets expensive!!! I like STUFF, and I like EVENTS, and I like FRIENDS, so I go out more often now as well.
Hopefully I will financially grow up very soon. Don't bother to give me advice... I have a Mint.com account; I just don't use it. I keep track of my bank account... But hey, at least I pay my rent and bills on time, I have good credit (just no savings), and I RECOGNIZE I have a problem. That's the first step, right???
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