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Anonymous
I’ve been saving 65% of my income monthly. Self employed with 2 kids. I felt that I’ve been saving too much and I’m starting to lose my motivation because basically I have no social life? Should I be more relaxed with my savings?
Should I be more relax on my savings e.g reduce my savings and spend a little more? 35% of my income for all expenses including my kids, my needs, my wife and bills are making myself no-life.. doing it for 1 year already.
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Chin Guo Qiang (ITIL4 / CSPO / CSM)
14 Oct 2020
Assistant Vice President, IT Operations at Bank of China Limited
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We are on the same boat, im a father with 2 kids.
saved 70% of salary.
you can setup an account, and every month deposit little bit of money, and use it for holiday trip, good meal, party with your friends or something.
this will make your journey better.
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Need a little spice.
get something nice.
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Based on the way you write, you already know the answer.
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You need to earn more. No two ways about it...
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It’s all about your personal comfort level and creature comforts at times.
No right or wrong but can start with 50% then adjust up or down for your own comfort levels and stay relatively happy while doing so.
There are more things to appreciate in life that is relatively low in cost.