u/Ashamed_World_9039

I am 25 already and I only have $5k right now. $2k CC debt and about $3k student loan that is being paid monthly automatically from my account.

I want to start investing or saving, I know I'm kind of late but i'm finally ready to start trying to become free from living pay to pay.

I know $5k is not a lot, but I have work and still going to earn and will save money every pay.

My question is, how do I start?

My family is also planning to buy a house, so I opened FHSA already, I have TFSA but because of job loss from last year, I drained it. I also recently opened RRSP.

Any advice is appreciated, thanks!

ano ginagawa nyo to minimize your spending?

sitting in a red light, few seconds later we got rear ended. my mom was driving. scratches in the bumper.

not sure what to do. i was shaking a lil bit cuz i was shocked. got the info of the driver as well. i dont think it's worth it to go to insurance but still not sure what's the best thing to do here.

car is rav4 2015, pretty old but bumper was very solid that it didnt break but got scratches.

Problem/Goal: I have a selfish brother

Context: My mom, bro and I live together in an apartment. Si mama since HS kami, she supported us. When I was in still in college and no work, my mom and bro are working full time. But I only see mom's struggles, kasi my brother hindi sya nag cchip in sa finances, rent, groceries, and even pag mag aya sya sa labas para kumain, si mama pa gumagastos. Lagi nagbabakasyon kuya ko, with her then gf now wife. Lahat ng pera nya he saves it and spends it to himself and her. While he's entitled to his own money, I never got the energy from him na he's willing to help sa finances.

Nung kinasal sila ng gf nya, my mom supported her, nanghingi pa kuya ko ah money from mom for his wedding, ultimo honeymoon.

I'm out of college now and working na, good pay so I also chip in na sa finances. I almost not let mom pay for anything, phone bills, kuryente, her part of rent I contribute na for her, literally she almost only pays for her luxuries now.

But, another problem is may debts sya and that was because of my brother not contributing before. Nag ccontribute na kuya ko kasi sinabi ko. His wife is also living with us na, and she also contributes in the house. But as I mentioned, problem is debts naman ni mama. MY BROTHER KNEW ABOUT IT but parang ako lang yung worried and willing to help pay for her debts, that we mainly caused. I JUST DONT SEE IT IN HIM NA HE CARES ABOUT MOM ir her struggles and I'm the only one worried about it, taking it all in, silently suffering.

Diko alam if gets nyo ako pero basta ang hirap kasi parang selfish nya eh, hanggang ngayon sya at asawa nya lang iniisip nya. And tbh, I think mas naging kuya pa ako kesa sa kanya.