You should be putting saving first, even a small amount can add up over a period for example
If you invest $25/month and your mutual fund get a 12% rate of return, in 10 years you can potentially have $5800. In 20 years, $25,000. In 30 years, $78,000. In 40 years, $297,000.
After saving, then you pay your bills. And finally, you can spend the rest.
I strongly advise creating a budget worksheet for yourself. List everything you spend on a monthly basis and figure out what you can cut out or try something different to lower your costs.
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