.jpg)
Ah, the joys of adulting in these economically challenging times. It’s like playing a never-ending game of financial Jenga, but fear not, fellow Gen Z warriors we’re about to embark on a journey through the intricacies of budgeting, expense tracking, and money-saving, all while keeping our sanity intact.
Acceptance, grief, and coffee
First things first, grab a cup of your preferred caffeinated beverage or a kombucha if you’re fancy as for a while it will be your last, we’re about to confront your financial reality. Admitting that you’re broke is the first step. Shed a tear if you must, but remember, coffee and tea stains are forever.
The budgeting battle plan
You need a budget. No, seriously, you do!
It’s like your financial GPS in these turbulent times. But let’s not make it sound boring; let’s call it your “Money Adventure Map.” Use apps that sync your bank accounts and help you categorize spending.
Most even send you snarky reminders like, “Hey, remember that time you bought that unicorn onesie?” just to keep you in check.
Financial cloning
Remember that friend who always seems to have their financial act together?
Channel your inner identity thief (in the legal way, of course) and figure out what they’re doing right. Maybe it’s meal prepping, DIY spa days, or just investing in stocks made from recycled cardboard. Borrow some ideas to cut your expenses. Better yet, ask them how they do it and get an accountability partner!
Make a list, check it thrice
When you’re tempted to splurge on something as vital as a sixth avocado toast this week, make a list of your needs and wants. Prioritize your needs (rent, groceries, student loans) and treat yourself to the wants only if your bank account isn’t crying yet.
Grocery shopping ninja skills
Grocery shopping on a budget is like participating in the Olympics of adulting. Stick to your list and avoid the deadly impulse buys like artisanal pickles shaped like David Bowie’s face.
Cooking: the new Netflix and Chill
Dining out is so 2019, unless it’s an important and celebratory occasion. Remember how your mom used to say “there’s food at home?” She wasn’t lying! Explore the wonders of home-cooked meals. Bonus points if you invent a quirky dish like “Avocado pasta with French Beans” that becomes an unexpected hit.
Subscription cancellation party
Cancel subscriptions you forgot existed. Magazines, streaming services, monthly snack boxes that taste like disappointment, that fitness app you only opened while imputing your details… let them go. You can always resubscribe when you’re rolling in dough.
Side hustle shenanigans
Gen Z is all about the side hustle game. Whether it’s freelancing, selling your NFT creations, or becoming a part-time content creator, find creative ways to boost your income.
The emergency Fund blanket fort
Start building your emergency fund. It’s like building a pillow fort but with money. Whenever life rains down lemons (or rent hikes), you’ll be prepared to make the sweetest lemonade.
Reward yourself sparingly
Budgeting can be tough, but remember to treat yourself occasionally. Buy that irresistible indie video game, or splurge on a fancy avocado toast, guilt-free. Just make sure it doesn’t break the bank.
And there you have it, fellow Gen Z warriors – a budgeting guide to survive these tough economic times while keeping your sense of humor intact.
Remember, the road to financial stability may have its bumps, but with a dash of wit and a sprinkle of determination, you’ve got this!
Stay frugal, stay fabulous. BY MPASHO NEWS