It may take some time, but any balance you accumulate will be far better than a balance of $0. Rather than run that risk, make an effort to build your savings. Going without savings leaves you vulnerable to debt, and that's really not something you want. You can even revert to work-from-home jobs like data entry if they do the trick of putting more money in your pocket so you can put some cash in the bank. If you love animals, be a dog-walker or pet-sit in your home for people who need to go away. If you're great with kids, you could look into babysitting or tutoring. But in that case, a second job could be your ticket to building up a savings balance.Įxplore your options for working a side hustle that will earn you a nice amount of money. If you're already living pretty frugally, cutting back on expenses may not be all that feasible or reasonable. If thats the boat youre in, make these important moves soon to build yourself some sort of financial safety net. It could even mean doing things like getting a roommate to split the rent with - despite the hit to your privacy that might ensue. That could mean canceling expenses like streaming services, subscription boxes, and your gym membership. Many of these apps will assign your purchases to different spending categories so you're able to keep track of them easily.īut either way, the point is to see where your money goes month after month, and then do your best to bank more of it. You could also try using a budgeting app. ![]() You can write yours down on paper or use a spreadsheet to map out your bills. Your budget doesn't have to be anything fancy. And getting onto a budget is a good way to go about that. If your savings account balance is sitting at $0, it's time to take control of your spending and find ways to cut back on expenses. If that's the boat you're in, make these important moves soon to build yourself some sort of financial safety net. Meanwhile, a recent survey by Real Estate Witch found that roughly 20% of millennials have no money in savings whatsoever. More: Save while you pay off debt with one of these top-rated balance transfer credit cards In fact, I dont think Id even really classify this as a YA book, even though the first few chapters show that side of her life.Save: This credit card has one of the longest 0% intro APR periods around Please note, however, that there are adult situations (not to mention some politically charged issues Roxannes life spans the 60s and 70s), so I would recommend this primarily for readers aged 14 and up. One of the biggest advantages of a savings account is that deposited funds accrue interest over time. Overall though, I recommend this book for readers looking for a little slice of life&and of pie. But, Roxanne at 33 pretty much sounds just like Roxanne at 13. The voice is another small issue since the book follows Roxanne all the way into womanhood, you would think that her inner voice would change. It always gets to me when the author makes you care about someone and then boom they are gone. ![]() Fred, the sad gentleman accountant) are never mentioned again. And characters that are the focus of one chapter (like the first-ever mail lady in Annette or Mr. We hardly have time to get to know her before that her is gone. We jump from Roxanne at 13 to 15 then to high school graduation and college. The primary one is that the format of small vignettes leads readers to a huge shock every time a new one is started. I do have a few small issues with the book. Even so, each chapter goes down as easy as pie. ![]() Much of the book is this way sweetness and light with a little bit of darkness underneath, like the underbelly of the small town is showing itself. Light as a cream filling at first, elements of darkness creep into the story as her mother is ostracized for insisting that a colored woman be able to enter her pie into the cook-off under her own name. ![]() She lives in a small town named Annette and her father is helping to put on the first ever Pie Fair. Told in chapter-length vignettes, each little bit is a story of its own. The book follows her all the way from 13 to womanhood (in her 30s). This is a sweet little book at least in the beginning about one girl (Roxanne) growing up.
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