GOALS

• Save diligently for a reliable used car to ensure consistent income generation and minimize risks of vehicle breakdowns impacting his job
• Manage daily expenses effectively to accommodate fluctuating gas prices and car maintenance costs, creating a sustainable budget
• Improve his credit score to access better rental options and avoid security deposit hurdles when seeking a new apartment lease agreement.

Frustrations

• Unpredictable earnings due to fluctuating delivery demand and tips, making it difficult to anticipate monthly income and plan expenses accordingly
• Unexpected car maintenance expenses causing financial strain and potentially impacting his ability to work and earn income
• Difficulty in building credit due to limited traditional credit options and reliance on cash transactions, limiting access to financial products.

GOALS

• Pay down outstanding student loan debt strategically to reduce financial burden and gain control over her finances post-graduation
• Create and stick to a budget that accommodates essential living expenses while allowing for social activities and personal enjoyment, finding balance as a young adult
• Start building an emergency fund to cover unexpected expenses and avoid relying on credit cards or loans, creating a financial safety net.

Frustrations

GOALS

Frustrations

• Juggling rent payments, student loan installments, and daily living expenses on an entry-level salary, leading to financial stress and budgeting challenges
• Limited financial literacy and experience in managing personal finances independently after graduating, leading to uncertainty and potential missteps
• Difficulty saving for long-term goals like travel or further education due to immediate financial obligations and limited disposable income.