Hey, no judgement please. I am currently enrolled in university and I can’t get a job because I have depression and anxiety and go to therapy weekly because of it. It’s terrible. They’re also testing me for bipolar and have recently diagnosed me with ADHD. (I got diagnosed when I was young, but my parents said the doctors were wrong). I am so broke it’s not even funny. I can’t afford anything. I don’t have friends so not being able to afford to go out isn’t really an issue. I get paid $300 a week from the government, $200 of that goes towards rent/bills. The remaining $100 a week goes towards food/gas/etc. I was just wondering if there’s any advice anybody could give me? I feel really alone and I don’t want this to be my life for the next 4 years while I study. I am trying to save enough to eventually borrow from the bank to buy a house in Australia because there is a house and land package for 400K and it’s a 4 bedroom which means I’d eventually be able to start my own family without worrying. However… as you can clearly see my dilemma, with being left with only $100 a week, and my phone bill being $172 a month (because I was stupid and bought it on a plan I can’t get off yet) – you can see how I would have absolutely no savings at all. I don’t tell anybody about my financial situations and everyone thinks I’m doing way better. I just need some financial advice because I feel like I’m doing it all wrong.
Thanks in advance.
Sorry for the kinda long post.
I don’t have a ton of financial advice, but I can tell you are really worried about money right now. Take a deep breath and know that you are going to be okay. You are young, you have decades of opportunity in life ahead of you to enjoy what life has to offer and also to make a little more money!
It sounds like from the limited amount of money that you get per week from the government, you are making the best of your current situation. For my 4 years in school, I also was constantly worried about saving money as I just kept spending whatever I got from my minimum wage paychecks. Not even on frivolous stuff, but really just groceries and gas! Eventually, I just had to accept that I would not be able to save much at this point in my life, but I needed to set myself up to make more money in the future so that I could have more flexibility with saving/spending. (Probably not the best financial advice to just “accept” that you can’t save much right now, but it did help me mentally and helped me to stop over-worrying about money constantly.)
If you are able to save any money, even a tiny bit per month, I would say the safest option is to put it in a high yield savings account and start building a small emergency fund.
Do you feel that what you’re studying in university will be able to help you get a job after you graduate? I’m not sure if your school has a career center, but they were really helpful for me for finding a job postgrad as well as finding on and off campus part time jobs. Once you feel like you have your mental health managed & in a good place (which is critical!), I would recommend reaching out to any campus resources you may have which could assist in job searching.
When you are in a tight situation, it may be overwhelming to plan too much for a future house. At the same time, maybe that gives you hope. For now, perhaps just be determined to live within your means as much as possible. Just keep breathing and taking one step at a time, and you will gradually reach your goals.
There are really only two ways out of this. Either spend less (which doesn’t seem like you can go much lower) or in your case make more money. I don’t mean that as a slight it’s just the reality. I sympathize with your mental health struggles and certainly cannot speak to that. It is good that you are seeking professional help. Continue on that path. As far as the job and money are concerned. With the advent of remote work and work from home are there any options that you may be able to pursue? Remote data entry? Are there resources at your university that could help with job opportunities?
One step at a time friend. Right now it sounds like your basics are covered (food, rent, transportation).
Your job right now is to be a student. Your job is also to do the work you need to do with your therapist.
I understand financial fears. I feel like I’ll never own a home.
But unless home ownership is your motivation to take care of your health and be a good student you are putting a lot of unnecessary stress on yourself.
You need to get your mental health taken care of. You need to have a toolbox of coping strategies and maybe medication and anything a diagnosis will help you with. You need to be stable and you need your schooling.
> I can’t afford anything. I don’t have friends so not being able to afford to go out isn’t really an issue.
Try free activities. As a student do you have access to a campus gym or other resources and activities? Even going for a walk is good.
I don’t have a big social circle. As a student I would socialize online and join student clubs that were relevant to me. This way I got to know like-minded people and stayed engaged. Volunteering for a few hours on occasion is also meaningful to me and helps me connect with people and my greater community.
You cannot save money you don’t have. Right now you do not have the ability to earn more money. That’s ok! Focus on your health and studies. That’s your ticket to more income. Use the resources available to you as much as possible. If you are not paying out of pocket you *are* saving money.
Using the free government or student resources available to you is like saving money. Think of how expensive all that would be.
Not knowing how you budget your money I can’t say “trim xyx” but I can say put whatever you can into a high interest savings account.
The top 3 things people spend money on are housing, transportation and food. Of those food is the thing that is in your control. I cook most of my meals and shop sales to lower costs.
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