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I try to save money, but every paycheck something happens and I usually have to use a credit card. I might pay a credit card off, but then I end up using another one. My boss has really cut back on my overtime, so that hurts

Hello. \nI am in my late twenties. No children, but I have two family members I help support through shared expenses. I have several main saving goals including: \n+ reimbursing a family member for their help with community college; \n+ retirement (I've automated)\n+ Big future expense increase due to lessening of shared expenses, and foreseeable healthcare\n\nAnd some smaller-by-comparison mid-term goals: \n+ family vacation (at least one train ride, and maybe a dark-sky park)\n+ Convention with friends\n+ Hobby expenses

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1. Read through the topics you're interested in.\r\n2. When you comment, make sure it's not a one or two-word answer. If your comment is too short (ex. "hey," "no," or "thanks"), it will be deleted.\r\n3. Keep in mind where you're creating your new topic! For example, if you'd like to post a question or start a new topic in the Budgeting Messageboard, make sure it's about budgeting

Community Guidelines:\r\n\r\nBe Kind and Courteous\r\nOur aim here at SaverLife is to create a welcoming environment, so let's treat everyone with respect! Healthy debates about topics like money management are natural, but kindness is required.\r\n\r\nNo Hate Speech or Bullying\r\nBullying of any kind will not be tolerated, and degrading comments about things like ethnicity, religion, age, culture, sexual orientation, gender or identity will be deleted. If you post or comment any hate speech or bullying, you may be removed from the forum.\r\n\r\nNo Promotions or Spam\r\nSelf-promotion, spam, affiliate links, contest links, and irrelevant links aren't allowed. This includes links such as GoFundMe pages or any links where you would monetarily benefit. If you post a self-promoted link or a member reports you for sending them an unsolicited link, your comment will be deleted and you will be removed from the forum.\r\n\r\nIf you would like to report a comment or your posts aren't showing, please email us at community@saverlife.org

A brief introduction to everything we offer at SaverLife!\r\n\r\n–SaverLife Moderator Team

Have a burning question about SaverLife?\r\n\r\nIt might have already be addressed in our FAQ section: https://help.saverlife.org/hc/en-us/\r\n\r\n–SaverLife Moderator Tea
If you need to report an inappropriate comment or thread, please send the link and a screenshot of the comment/thread to community@saverlife.org\r\n\r\nThank you for being an active member of our forum!

1. Read through the topics you're interested in.\r\n2. When you comment, make sure it's not a one or two-word answer. If your comment is too short (ex. "hey," "no," or "thanks"), it will be deleted.\r\n3. Keep in mind where you're creating your new topic! For example, if you'd like to post a question or start a new topic in the Budgeting Messageboard, make sure it's about budgeting.
   Community Guidelines:\r\n\r\nBe Kind and Courteous\r\nOur aim here at SaverLife is to create a welcoming environment, so let's treat everyone with respect! Healthy debates about topics like money management are natural, but kindness is required.\r\n\r\nNo Hate Speech or Bullying\r\nBullying of any kind will not be tolerated, and degrading comments about things like ethnicity, religion, age, culture, sexual orientation, gender or identity will be deleted. If you post or comment any hate speech or bullying, you may be removed from the forum.\r\n\r\nNo Promotions or Spam\r\nSelf-promotion, spam, affiliate links, contest links, and irrelevant links aren't allowed. This includes links such as GoFundMe pages or any links where you would monetarily benefit. If you post a self-promoted link or a member reports you for sending them an unsolicited link, your comment will be deleted and you will be removed from the forum.\r\n\r\nIf you would like to report a comment or your posts aren't showing, please email us at community@saverlife.org
   A brief introduction to everything we offer at SaverLife!\r\n\r\n–SaverLife Moderator Team
   Here at SaverLife, we want to make sure that our members feel safe when they're posting in our community forum. To protect your personal information, please do not include any of the following in your forum:\r\n\r\n* Your full name or the full name of anyone living in your household\r\n* Date of birth\r\n* Address\r\n* Phone number\r\n* Email address\r\n* Your Venmo/CashApp/PayPal or any other payment app\r\n* Bank account information, especially routing or account numbers\r\n* Your Social Security Number (SSN)\r\n\r\nHere are 6 tips you need to know to protect your personal information online: https://www.saverlife.org/money-101/6-tips-for-protecting-your-personal-information-online

— "Here at SaverLife, we want to make sure that our members feel safe when they're\n posting in our community forum. To protect your personal information, please do\n not include any of the following in your forum:\r\n\r\n* Your full name or the full\n name of anyone living in your household\r\n* Date of birth\r\n* Address\r\n* Phone\n number\r\n* Email address\r\n* Your Venmo/CashApp/PayPal or any other payment app\r\n\n Bank account information, especially routing or account numbers\r\n Your Social\n Security Number (SSN)\r\n\r\nHere are 6 tips you need to know to protect your personal\n information online: https://www.saverlife.org/money-101/6-tips-for-protecting-your-personal-information-online"\n