Quote from: hyudien on March 16, 2024, 02:51:20 PM

Quote from: ndutndut on March 09, 2024, 07:21:51 AM

The problem the OP is facing is that she only has one job, and in the last year she's had a lot of bills, so I assume she doesn't have any money to save let alone invest. There is only one way to overcome problems like this, namely by looking for additional income without disturbing your main job and learning to live frugally so you can pay off existing bills.

After everything is finished, then think about investing, because investment is not a get-rich-quick scheme, let alone crypto investment, of course for the long term. If you invest with less money and still have a lot of bills, I don't think it's a wise choice. The wise choice for the OP at this time is to continue to hone your skills so that your life becomes more productive, especially in the current technological era, it is very easy to find additional income, the important thing is to keep trying and not give up easily.

That's true, perhaps one way is to look for additional work or side work. but not everyone can do it, because to do this in my opinion it requires more energy and time which must also be taken into account, don't force ourselves to do it if it will torture ourselves. and with time, of course when we do extra work or side jobs we have to be able to manage our time, where we are also humans who have to have time to rest, too much work is not good for our health.
and if you are capable of everything going well, what you have to pay attention to is money management so that everything can be better, don't let having a side or additional job make us more wasteful in managing finances, when finances start to stabilize then we can think about save or invest if that is what you want, because not everyone wants to invest even though it has been recommended, and to make an investment of course we have to be able to pay attention to many things such as emergency funds and others.

That's true, but if one income or job doesn't match the expenses plus lots of bills to pay, that's stupidity that really needs to change. And there is no other reason than looking for additional income or additional work, because that is the only way to get out of income and expenditure inequality without considering the time and energy to do it. When talking about not having time or being tired, everyone definitely feels the same way for those who are struggling to improve their lives because their income is low or mediocre. However, they are required to do this until everything is stable and then think of other ways to still have income other than the fixed income they earn, for investment, business or other efforts for better survival.