$$$$$$$$$$$, Part 2: Spending
At the end of each shift, I add up all my credit card tips on a calculator that prints my day’s earnings onto a little slip of paper. Most of the numbers are small: a lot of 5’s, a few 10’s, and the occasional 20. Each day I look forward to doing the math namely due to a large (but shrinking) number that always looms over my head: $28,000 in student loans that I want desperately out of my life before I turn thirty, when I’ll really need some financial breathing room. Paying off such a substantial burden with pocket-change tips seems tantamount to melting a glacier with a book of matches, but this is meant to be a long and steady race. I don’t know much about the stock market, nor do I have the mind for property investment. The only financial strength of which I am confident is the ability to save money. If this lifestyle has taught me one lesson it is how to live frugally yet fully. As of now, I know no better strategy than to ...