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- Save first. If you aren’t living paycheck to paycheck, then always put your money in a separated bank account for saving.
This help eliminating the need to keeping track of your spending.
- If you tend to be fined for overdraft, then use an overdraft protection service. The service fee is much lower than the OD fee.
I have a young kid and about to have another one. I’m very happy with them. It’s like I’m rising a puppy that can talk. I have a job flexible wfh work. So, I can take care of them with my partner.
The only downside are that I have a very small window of personal time, and I can’t take too much financial risk as I used to, which is a good thing.
I think the decision making process behind having a kid is similar to the process when we decided to have a dog. You shouldn’t have a dog just because someone push a pressure on you or something.