hi all, just stumbled onto this forum and wow, there’s some great knowledge flying around here! thought I’d pick your brains a bit. I’m in my mid-30s, decent job, but living paycheck to paycheck mostly. hate to admit it but I’ve never really thought much about personal finance until now. reckon it’s never too late to start right?
so, I guess I need some basics. where do I start? I keep hearing about budgeting, but that just turns my brain to mush. anybody got a simple way to explain it? and what’s all this about emergency funds? how much should I have squirreled away?
and let’s talk nightmare scenario. um, what if I’ve got credit card debt? (asking for a friend, right?) how can I start getting that down without having to eat ramen for the rest of my life?
also, if anyone’s got advice for making my money work for me, i’d love to hear about it. I’m not about to become a Wall Street trader or anything, but surely there are some easy investments I could be making?
love to hear your thoughts on any or all of this. bit of a newbie here but eager to learn. really appreciate any wisdom you guys can share.
