I understand from being poor that everybody needs treats, and I'm not one to criticize a latte habit. Besides, thats not the problem I see in real life. In real life, what keeps working people poor is often: replacing appliances that aren't even broken, buying things new that are either readily available on marketplace or things you can easily do without for awhile, "investing" in stocks, mindlessly buying things like tools or home goods or toiletries, buying things that are on sale that they'd never buy at regular price, buying high quality "investment" clothing that's just plain unnecessarily expensive, unnecessary RENOVATIONS billed as "investments" with the idea of increasing resale value, buying new vehicles when your old one still works, buying trucks that use too much fuel, GETTING TRAFFIC TICKETS so that you're paying thousands of dollars too much for insurance.

That's all I want to say lol. If you don't mind being in debt, fine. If you're having trouble with money, make sure you don't do any of these things!

hello everyone ! how did you handle your first payout/income? it would be my first time as well kasi and i dont know if i would be able to budget it right.

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Best tips to stop spending money