Looking ahead as an Adult

Next week will be 3 months(Tuesday, Sept 29, 2020) working at my full-time job that I got during this pandemic.  For the past month and a half, I’ve been thinking about what should I tackle next now that I have this full-time job. It odd cause most people my age are well into their careers, have a new car, might own a home, have a family and financial independence. Me, am still living at home and relying on my parents for a few things like getting to work.  I don’t have a car, never own one or had one. Since I was in college, I either walk and took public transportation.  Honestly, I really don’t know how to drive, even though I driven a few time, but not comfortable with it yet.  That should be my next major task, but buying a car is far out of reach even financially.

I figure my next major task I should focus on is saving money and start re-paying my student loans.  That seems the most logic thing to do.  At this point, I have zero debt except for my loans and with interest rates at zero cause of the pandemic, might as well take the advantage the situation.  At the same time, start saving money. Which should be pretty easy for me since am not a big spender.  I don’t know what I’ll use this money for, but for the mean time, I know that it will come in handy down the road.  Maybe for a down payment on a car or a chance to do some traveling when this pandemic is over.  Do you save? If so how much do you put aside from your payment?

Some of other things I been giving some thought is going back school.  At the moment I have a bachelor degree in Sociology. I figure getting another bachelor or working on a master would only take under 3 years depending on the classes I need and the classes that would transfer and count from my current bachelor degree. This is something I thought about many times, but just couldn’t do it cause I didn’t have money.

2 thoughts on “Looking ahead as an Adult

  1. I’m the exact opposite – I love spending money. 🙈 So when I started working 3 years back I made it a point to put 50% of my salary aside for future goals (whatever they might be). I could only do 50% because rent and utilities were extremely expensive in the city I lived in. But I’m guessing you could aim to save more than that. From your savings – save some portion for liquidity and invest some portion to have your money working for you.
    Again like you I don’t have any big plans to buy a house or a car – I prefer spending money on travelling. Maybe set a goal? Example – in 2021 summers you’ll travel to Amsterdam? Then start saving and investing to make that happen.

    Hope this helps and isn’t preachy. 🙈

    Liked by 1 person

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