Earning Well at 20 but Still Saving Almost Nothing — Where Is My Money Going?

I’m a 20-year-old guy working as a freelancer, and I’m fortunate enough to be earning a pretty good amount. The problem is that despite earning well, I’m barely saving anything.

I don’t really spend money on expensive clothes, gadgets, or other flashy things. I do waste some money on things like games, but nothing that should explain where all my income is going.

For the past year, I’ve also been financially supporting my entire family because my dad lost his job and has been unemployed since. Around 30–40% of my income goes toward household and family expenses. I’m completely okay with supporting them—that’s not what frustrates me.

The frustrating part is that I have no idea where the rest of my money goes.

There’s usually one big household payment at the beginning of the month, followed by lots of small payments almost every day. By the end of the month, I look at my balance and wonder where everything went.

I’ve realized my biggest problem isn’t necessarily how much I’m spending—it’s that I have no proper system for tracking or controlling it.

For people who’ve been in a similar situation, how did you fix this? What’s the simplest way to track income and expenses when you have lots of small transactions throughout the month? I’d especially appreciate advice from other freelancers or people supporting their families.

reddit.com
u/Warm_Perspective583 — 4 days ago

Earning Well at 20 but Still Saving Almost Nothing — Where Is My Money Going?

I’m a 20-year-old guy working as a freelancer, and I’m fortunate enough to be earning a pretty good amount. The problem is that despite earning well, I’m barely saving anything.

I don’t really spend money on expensive clothes, gadgets, or other flashy things. I do waste some money on things like games, but nothing that should explain where all my income is going.

For the past year, I’ve also been financially supporting my entire family because my dad lost his job and has been unemployed since. Around 30–40% of my income goes toward household and family expenses. I’m completely okay with supporting them—that’s not what frustrates me.

The frustrating part is that I have no idea where the rest of my money goes.

There’s usually one big household payment at the beginning of the month, followed by lots of small payments almost every day. By the end of the month, I look at my balance and wonder where everything went.

I’ve realized my biggest problem isn’t necessarily how much I’m spending—it’s that I have no proper system for tracking or controlling it.

For people who’ve been in a similar situation, how did you fix this? What’s the simplest way to track income and expenses when you have lots of small transactions throughout the month? I’d especially appreciate advice from other freelancers or people supporting their families.

reddit.com
u/Warm_Perspective583 — 4 days ago
▲ 5 r/budget

Earning Well at 20 but Still Saving Almost Nothing — Where Is My Money Going?

I’m a 20-year-old guy working as a freelancer, and I’m fortunate enough to be earning a pretty good amount. The problem is that despite earning well, I’m barely saving anything.

I don’t really spend money on expensive clothes, gadgets, or other flashy things. I do waste some money on things like games, but nothing that should explain where all my income is going.

For the past year, I’ve also been financially supporting my entire family because my dad lost his job and has been unemployed since. Around 30–40% of my income goes toward household and family expenses. I’m completely okay with supporting them—that’s not what frustrates me.

The frustrating part is that I have no idea where the rest of my money goes.

There’s usually one big household payment at the beginning of the month, followed by lots of small payments almost every day. By the end of the month, I look at my balance and wonder where everything went.

I’ve realized my biggest problem isn’t necessarily how much I’m spending—it’s that I have no proper system for tracking or controlling it.

For people who’ve been in a similar situation, how did you fix this? What’s the simplest way to track income and expenses when you have lots of small transactions throughout the month? I’d especially appreciate advice from other freelancers or people supporting their families.

reddit.com
u/Warm_Perspective583 — 4 days ago

Codex turned my project into a 10,000+ line nightmare. How do I recover from this?

​

I'm a freelancer working on a custom project for a client, and I've gotten myself into a huge mess.

The goal was to transfer an entire inventory from OTTO Marketplace to other marketplaces like eBay and Kaufland. There are around 60,000 SKUs.

The problem is that OTTO doesn't provide product images through its API, so I had to manually download every single product image before I could migrate the listings.

I should also mention that I have almost no coding experience. I built this project almost entirely with OpenAI Codex.

At first, everything seemed to be going well. I managed to complete the OTTO → eBay integration, but then the project kept growing. Instead of creating separate modules and files, Codex kept putting almost everything into one massive app.py file. I didn't know any better, so I just kept going.

Now the project has become so large that:

A single prompt can consume around 50% of my Codex usage.

I've had to buy multiple ChatGPT accounts just to keep working.

Every change feels risky because everything is tangled together.

Debugging has become a nightmare.

On top of that, Kaufland has been incredibly frustrating. Their workflow is much more complicated than eBay's. To create a product, I have to upload multiple files. If I need to delete a product, I can't just delete it—I have to submit it for review first, and that review can take anywhere from 20 minutes to 5 hours before I can continue testing.

Another huge issue is that my client originally used cheap EANs when listing products on OTTO. When I reuse those EANs on Kaufland, one of two things happens:

The listing gets rejected because the EAN is invalid.

Or even worse, the EAN already belongs to another product, so Kaufland matches it with someone else's listing.

At this point I honestly don't know what the best path forward is.

Should I:

Keep trying to refactor this giant project into smaller modules?

Start a completely new project with a proper structure and reuse the working logic?

Learn enough Python to clean this up manually?

Or is there a better approach that experienced developers would recommend?

I know one mistake I made was not telling Codex from the beginning to keep everything modular. Looking back, I should have had separate files for APIs, configuration, image handling, marketplace integrations, utilities, etc.

If you've ever inherited or accidentally created a massive AI-generated codebase, how did you recover from it? Any advice would be greatly appreciated.

reddit.com
u/Warm_Perspective583 — 22 days ago

Codex turned my project into a 10,000+ line nightmare. How do I recover from this?

​

I'm a freelancer working on a custom project for a client, and I've gotten myself into a huge mess.

The goal was to transfer an entire inventory from OTTO Marketplace to other marketplaces like eBay and Kaufland. There are around 60,000 SKUs.

The problem is that OTTO doesn't provide product images through its API, so I had to manually download every single product image before I could migrate the listings.

I should also mention that I have almost no coding experience. I built this project almost entirely with OpenAI Codex.

At first, everything seemed to be going well. I managed to complete the OTTO → eBay integration, but then the project kept growing. Instead of creating separate modules and files, Codex kept putting almost everything into one massive app.py file. I didn't know any better, so I just kept going.

Now the project has become so large that:

A single prompt can consume around 50% of my Codex usage.

I've had to buy multiple ChatGPT accounts just to keep working.

Every change feels risky because everything is tangled together.

Debugging has become a nightmare.

On top of that, Kaufland has been incredibly frustrating. Their workflow is much more complicated than eBay's. To create a product, I have to upload multiple files. If I need to delete a product, I can't just delete it—I have to submit it for review first, and that review can take anywhere from 20 minutes to 5 hours before I can continue testing.

Another huge issue is that my client originally used cheap EANs when listing products on OTTO. When I reuse those EANs on Kaufland, one of two things happens:

The listing gets rejected because the EAN is invalid.

Or even worse, the EAN already belongs to another product, so Kaufland matches it with someone else's listing.

At this point I honestly don't know what the best path forward is.

Should I:

Keep trying to refactor this giant project into smaller modules?

Start a completely new project with a proper structure and reuse the working logic?

Learn enough Python to clean this up manually?

Or is there a better approach that experienced developers would recommend?

I know one mistake I made was not telling Codex from the beginning to keep everything modular. Looking back, I should have had separate files for APIs, configuration, image handling, marketplace integrations, utilities, etc.

If you've ever inherited or accidentally created a massive AI-generated codebase, how did you recover from it? Any advice would be greatly appreciated.

reddit.com
u/Warm_Perspective583 — 22 days ago

Need Help Downloading High-Quality OTTO Marketplace Images for eBay Migration

Hi everyone,
I’m currently migrating my inventory from OTTO (the German marketplace) to eBay.
The challenge is that OTTO’s Seller API does not provide product images. At the moment, I only have two options:
● Scrape the images directly from the product pages.
● Download them manually using a browser extension (which is very time-consuming).
I’m looking for a free way to scrape or download the product images in their highest available quality.
Has anyone dealt with this before? If so:
● What’s the best approach?
● Are there any reliable free tools or techniques?
● How can I avoid low-resolution or thumbnail images?
Any suggestions or advice would be greatly appreciated. Thanks!

reddit.com
u/Warm_Perspective583 — 2 months ago

Need Help Downloading High-Quality OTTO Marketplace Images for eBay Migration

Hi everyone,
I’m currently migrating my inventory from OTTO (the German marketplace) to eBay.
The challenge is that OTTO’s Seller API does not provide product images. At the moment, I only have two options:
● Scrape the images directly from the product pages.
● Download them manually using a browser extension (which is very time-consuming).
I’m looking for a free way to scrape or download the product images in their highest available quality.
Has anyone dealt with this before? If so:
● What’s the best approach?
● Are there any reliable free tools or techniques?
● How can I avoid low-resolution or thumbnail images?
Any suggestions or advice would be greatly appreciated. Thanks!

reddit.com
u/Warm_Perspective583 — 2 months ago

Need Help Downloading High-Quality OTTO Marketplace Images for eBay Migration

Hi everyone,
I’m currently migrating my inventory from OTTO (the German marketplace) to eBay.
The challenge is that OTTO’s Seller API does not provide product images. At the moment, I only have two options:
● Scrape the images directly from the product pages.
● Download them manually using a browser extension (which is very time-consuming).
I’m looking for a free way to scrape or download the product images in their highest available quality.
Has anyone dealt with this before? If so:
● What’s the best approach?
● Are there any reliable free tools or techniques?
● How can I avoid low-resolution or thumbnail images?
Any suggestions or advice would be greatly appreciated. Thanks!

reddit.com
u/Warm_Perspective583 — 2 months ago

Need Help Downloading High-Quality OTTO Marketplace Images for eBay Migration

Hi everyone,
I’m currently migrating my inventory from OTTO (the German marketplace) to eBay.
The challenge is that OTTO’s Seller API does not provide product images. At the moment, I only have two options:
● Scrape the images directly from the product pages.
● Download them manually using a browser extension (which is very time-consuming).
I’m looking for a free way to scrape or download the product images in their highest available quality.
Has anyone dealt with this before? If so:
● What’s the best approach?
● Are there any reliable free tools or techniques?
● How can I avoid low-resolution or thumbnail images?
Any suggestions or advice would be greatly appreciated. Thanks!

reddit.com
u/Warm_Perspective583 — 2 months ago

Need Help Downloading High-Quality OTTO Marketplace Images for eBay Migration

Hi everyone,
I’m currently migrating my inventory from OTTO (the German marketplace) to eBay.
The challenge is that OTTO’s Seller API does not provide product images. At the moment, I only have two options:
● Scrape the images directly from the product pages.
● Download them manually using a browser extension (which is very time-consuming).
I’m looking for a free way to scrape or download the product images in their highest available quality.
Has anyone dealt with this before? If so:
● What’s the best approach?
● Are there any reliable free tools or techniques?
● How can I avoid low-resolution or thumbnail images?
Any suggestions or advice would be greatly appreciated. Thanks!

reddit.com
u/Warm_Perspective583 — 2 months ago

20 Years Old, Supporting My Family, and Stuck Between Freelancing and University — What Should I Do?

Hi everyone,

I’m from Pakistan and I’ve been freelancing for the last 4 years. Alhamdulillah, I’m earning a handsome amount at a young age, and right now I’m the one managing my family’s expenses because my father lost his job last year.

I did Pre-Medical in college, but over time I realized my real interest is in programming, automation, and tech. My academic scores were average — 60% in FSC and 85% in Matric — so because of merit, the best university option I currently have for CS is CUST.

The thing is, I’m very confused about my future.

On one side, freelancing is already working well for me financially, and my family depends on my income. On the other side, my family strongly wants me to get a degree, and honestly, I also feel like I’ve missed out on life socially. I took a gap year after 2nd year, and for the past 4 years I’ve mostly been sitting alone in a room working. I hardly have 2 friends, and I feel disconnected from normal social life.

I’ll turn 20 this August, and I also dream of moving abroad someday, probably to a European country, but I don’t know whether skipping university would hurt my future opportunities.

So now I’m stuck between:
- Continuing freelancing full-time and scaling my career
- Going to CUST for a CS degree while balancing family responsibilities
- Figuring out how to build a social life and secure a future abroad

I’d genuinely appreciate advice from people who have gone through something similar or understand both freelancing and university life.

Thank you.

reddit.com
u/Warm_Perspective583 — 3 months ago

Need Help Bypassing Marketplace Bot Detection for Web Scraping

Hi everyone, I’m trying to scrape emails from online marketplaces, but most platforms instantly detect and block bots. I’ve already tried tools like Selenium and Playwright, but I’m still running into anti-bot protection issues. Unfortunately, I don’t have API access either.

Does anyone have experience handling bot detection or suggestions for more reliable approaches? Any advice, tools, or best practices would be appreciated.

reddit.com
u/Warm_Perspective583 — 3 months ago

Need Help Bypassing Marketplace Bot Detection for Web Scraping

Hi everyone, I’m trying to scrape emails from online marketplaces, but most platforms instantly detect and block bots. I’ve already tried tools like Selenium and Playwright, but I’m still running into anti-bot protection issues. Unfortunately, I don’t have API access either.

Does anyone have experience handling bot detection or suggestions for more reliable approaches? Any advice, tools, or best practices would be appreciated.

reddit.com
u/Warm_Perspective583 — 3 months ago