
Originally Posted by
SpeshulEd
You're 18, have a job at a grocery store and go to college. Do you still live at home?
Growing up is a bitch, let me just start out with that.
If you don't live at home, it's time to cut the chord and start growing up. Open your own bank account, most colleges provide you with access to a credit union or a small local bank with less fees. Set up direct deposit so your check from your job gets deposited there. Your parents no longer control your money.
Now make a budget - make sure you can cover your rent, food, school supplies, fun money, and money to put away for things you want to buy. It probably wouldn't hurt to start planning for your future, but you're only 18, so investing probably isn't high on your to do list.
So after all of that, you'll be independent and will one day be able to buy some DJ toys.
If you still live at home, you've got a lot more work to do. Unfortunately, you still live under their rules. You're old enough to make a change, just depends how far in debt you want to go.
When I was 18, I chose to stay at home, go to community college and work my ass off. I had lots of cash for fun things...then I went to an expensive college to finish and was flat broke for a long time. But now I have a decent job that allows me to buy a lot of toys. I just needed to be patient.
Marrying into money and not having any kids helps with the toy aspect as well.
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