The
philosophical question of what is primary and what is secondary can be transferred to finance. Financial decisions are easier if you understand their importance, their priority. You understand exactly: where are your obligatory expenses, where are your goals, and where is the waste imposed by someone else's opinion.
Imagine that you have gone on a hike, but do not yet know exactly where. What things should I take with me? How long will your hike last? Will you be warm or cold? What do you need in your backpack? Complicated?
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The primary is what will allow you to avoid problems: matches are warmth in the forest, things are warm, while there is no fire, a flask is an opportunity to carry water. Then you can fantasize about various problems and their solutions ... What did I give this example? Plan based on the problems you need to solve. Obligatory expenses such as paying for an apartment, utilities and communications cannot be removed anywhere. This is primary!
Recycling is something that will allow you to stock up, provide entertainment and great shopping.
It is important to earn, invest, spend, give money in accordance with priorities. Answer yourself a few questions:
1. Do I make money?
If the answer is "yes", then you can ask the following questions, but if - "no", then the primary thing for you is to find at least some income.
2. What expenses are obligatory and important for me?
3. How to develop your income and reduce expenses?
And then you take the rules of "financial freedom" and follow them step by step:
1. I have money on hand to live for 1 month, in case of losing my job.
2. I have no loans or debts. (although this step is the most difficult, sometimes debts appear as if by themselves: they collect for your birthday, and you have only on the card, then taxes come)
3. The "Financial Independence Fund" was formed (call it what you want): money is on hand for 2-3 months. By the way, here you can replace the words “on hand” with the words “in the bank” or “in the stash”, and “2-3 months” with “1 year”. It all depends on your personal financial security system.
4. I can afford a large purchase without using funds from the Financial Independence Fund.
5. I invest 10-20% of my income.
6. I save money for a specific purpose (for example: car, apartment).
7. I can afford to be completely independent from work.
After assessing your financial condition, what step you have already taken, you can set priorities, understand what is primary and what is secondary.
Of course, this scheme is very simple and conditional, take it as a basis and create your own rules of "financial freedom". And forward, on the way to your goal! The main thing is not to merge on the road, and then, at the end, you will have an awesome result.