You didn't mention what type of work that you do....that might be helpful.
Many excellent suggestions from others. I suggest that you get a second job or work a lot of overtime at your current job. Put those extra earning into your "trail account".
You didn't mention what type of work that you do....that might be helpful.
Many excellent suggestions from others. I suggest that you get a second job or work a lot of overtime at your current job. Put those extra earning into your "trail account".
.................................................. .................................................. .................................................. ..........
Travel not for the destination, but for the joy of the journey.
I second peakbagger's "save the change" method. When I pay cash, I only use bills - all change goes in the jar. That usually adds up to 1 or 2 car payments a year!
I once bought some treats from the bakery by my office, the bill came to something like $4.03, so the cashier only charged me $4. I was with a friend who used the same "save the change" technique, so he knew exactly what I meant when I said "she just saved me three cents and cost me ninety seven."
I retired at 44 because I practiced debt-free living. If you don't owe anything but routine monthly expenses it doesn't take much income to be comfortable. Early in my career I took a financial management course put on by Franklin (now Franklin Covey, or whatever it is called now). Part of the reading material was the book, "The Richest Man in Babylon" by George S Clason written in 1926 (still in print to this day). The points in the book are as applicable today as they were nearly 100 years ago. Dave Ramsey didn't invent the concepts he just delivers them well.
Now, in retirement, I allocate a set amount each month to a hiking gear account and to a hiking trip account. Works well for me and allows me to always replace gear long before the "fail" date and I can fund a judicious number of hikes each season.
Lonehiker (MRT '22)