Quote from: Dominick_81 on July 16, 2012, 11:11:29 PM
...
Thanks. I was saving $20 a week, and then I started saving $40 a week. My friend calculated that it would take me 20 years to save for top surgery saving $20 bucks a week. I can't wait 20 years for top surgery. Now that my car has broke down and needs repairs I have to take out of my top surgery savings to fix it. I wasn't gonna take money out of my top surgery savings but I need the car in case I get a job and if I get a job I can save more and get the money faster for top surgery. I feel like I'm never gonna get a job so why put all this money into my car and start my saving for top surgery all over again? It took me so long to save up $700 dollars and I'm not even close to the cost my top surgery.
How much do you put away a week for your top surgery savings?
A couple of things:
$20/week
52 weeks/year
= $1,040 saved each year.
In 6 years, you should have enough for top surgery. (Not including interest, but that will probably just buy a celebratory dinner)
Tip: Fix the car, but the next time split the savings into two accounts (some financial institutions allow this with just one acct, you make a "sub-account"). The first is "savings", i.e., money that you will dig into if needed (car repairs, etc. Not for having fun!), the second "sub-account" is titled "Top Surgery" or similar and is no-touchy, unless something is life-threatening (I can't imagine what that might be...but it's not for car repairs etc)
If you're saving $40/week now, split two ways = $1,040 each year into top surgery ( = 6 years), and into savings...most car repairs or other needs will be less than $1,000, in my experience, and won't happen each year. Regular maintenance also helps with repairs, as does knowledge of basic mechanics (you can do some maintenance and repairs yourself).
That's one...and the other....oh yeah, I remember.
Some of you have said, "If I don't get top surgery by (this date), I'm going to have a mental breakdown." Don't worry about any breakdown...they cannot be planned, they're not a choice. If you have one, it's almost always spontaneous.
In my experience, once one gets to a self-imposed deadline, your perspective changes. You realize you haven't met your goal, and you look at what happened, why it didn't happen, and then you set another date as your goal. It will happen eventually. Just keep working at it....Good luck!