I never have money at the end of the month. I earn a normal salary, but I spend too much on coffee and delivery., My friend asks to borrow money and I lend it, but he always pays me back late or forgets., I really want a new phone. It costs a lot and I can’t afford it, but my friends all have expensive phones., I want to save money and maybe invest in something in the future, but I never start — I always find something to buy., I pay the bills, but I don’t really know where my money goes., In restaurants I’m confused about how much to tip. I don’t know what is normal in my country or in other countries., I often pay in cash, but later I don’t remember what I spent, and I lose the receipts., I bought some clothes in a sale. They were cheap, but now I think they weren’t worth the money — I don’t like them.

money problems

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