I only make $1820 a month working 40 hours a week, so $910 every 2 weeks. $50 goes into a savings account for Christmas, $180 goes to car insurance, at least $300 I try to put on my credit cards, (sometimes more as I want them paid off) and I pay $90 for health insurance (which is super cheap I know, but I only qualify because I make so little).
I try to throw some in savings, but I'm 23 I want to go out and have fun but EVERYTHING is so expensive...after my bills I have some left over but there is always a birthday or expense for my pets or car.
Just want to live life to the fullest but having little money makes it difficult....
Look for a higher paying job or an additional source of income if you can't afford the lifestyle you want to live. Do you really need a car? Getting rid of that will save you $2160 in insurance a year not to mention the money you will spend on gas and everything else that comes along with having a car. Why do you need to save $50 a month for Christmas? Stopping that will save you an additional $600. I'm sure with that money saved you could afford to go on at least one or two of the excursions you want, but remember you don't need to do these things in your twenties. Do them in your thirties when you're more financially secure. I didn't do much in my early twenties but rather my late twenties and early thirties and you're still young at that age, especially if you look after yourself.