SG Banking Girl make $7K per month needs a sugar daddy
Looking at me, you wouldn't know that I lived from pay cheque to pay cheque because I seem to always have money. But that's exactly my financial situation right now. It's not that I don't earn a lot; I do. In fact, I make about $7,000 a month, which is pretty impressive compared to most of my peers. I think I'm just bad with money, and ever since I started working at 23, I've not been able to put aside much for a rainy day.
I grew up in a frugal family. My parents worked hard and earned a decent salary, but they hardly bought anything. We never went on family holidays, my older sister and I didn't get huge allowances, and I usually made do with my sister's old clothes and books. My parents just saw material things and holidays as a waste of money.
When I was 18, I got a part-time job in a cafe. Finally, I was earning my own money and didn't have to ask my parents to buy me nice clothes, makeup or skincare products. Over a year I made about $8,000, but instead of saving it, I spent the money on frivolous things, like movie outings with friends, designer wallets, and trendy clothes and shoes. The more I bought the more I thought I needed.
After graduating from university at 23 I got my first full-time job, earning $2,500 a month. That was a lot of money for a girl my age, and over the next few years I frittered away whatever I made. I went on designer shopping sprees, took extravagant holidays, indulged in spa treatments, bought expensive gifts for family and friends, took taxis everywhere, treated myself to fancy gadgets, and dined in nice restaurants.
By the time I turned 30 - after seven years of working and making good money - I only had about $1,500 in my savings account. Even then, I wasn't too worried. I convinced myself that I was still young and had plenty of time to grow my nest egg.
At 33 I got a new job making $5,000 a month - more money than I'd ever seen in my life. That would have been the perfect opportunity to get some expert financial advice and start planning my financial future, but I did the exact opposite and wasted my salary on things I probably didn't need.
When I turned 37 last year, I had a mere $3,000 stashed away in a regular savings account.
I do worry about the future. I worry about losing my job or being faced with an emergency that would drive me deeper into debt. I worry about what will happen to me when I'm too old to work - who will look after me or provide for me, seeing as I don't have a lot of money stashed away?
I met a sugar daddy recently and explained my situation to him. He took pity on my situation and gave me additional $10,000 allowance per month. Hopefully he can be my long term meal ticket - the older I get the more panicked I feel about not being able to take care of myself.
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