Starting from zero. I know nothing about finances and I need help.
Hello! I’m 22F, and I’m honestly starting from almost zero when it comes to personal finance.
I just finished my undergraduate degree in May and I’m currently looking for work, so I don’t have an income right now. I’m living with my parents, so I also don’t have many regular expenses at the moment.
My finances are pretty messy, though. My bank account is still connected to my parents, I don’t have a credit card or a separate savings account, and I currently have around $1,000 to my name.
I also have some debt, but I honestly don’t know how much I owe, where the debt is, or even how to find out. I’ve never really had anyone teach me how personal finance works, so I feel completely lost.
I also spend money pretty recklessly. I have financial goals and things I want to accomplish, but I have absolutely no idea how to turn those goals into an actual plan.
I know I need to take responsibility for my finances, and I really want to take back control of my life. I’m just overwhelmed because I genuinely don’t know where to begin.