My lesson on the importance of saving and my plan.

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Since I got my first job at 17, I've never disciplined myself enough to save. My family was always on my back to save for a car, but with my over-spending habits and buying for my friends (who aren't even my friends now), I still have yet to reach that goal at almost 19.

I graduated from high school, and as a gift my mom told me she would give me the money for a down payment. I was thankful for the offer, but since I was living with my husband and his family, his brother made the decision to put a down payment on his first mobile home that he, my husband and I would be moving into. The property manager said we only had space for two cars and she wouldn't allow us to have a third space paved. I did manage to save some money before then to hopefully buy a moped, but it had to be blown on expenses for our new place.

I'm currently making enough at my job to pay my part of the bills, but don't have any left over for savings let alone to do things with. I'd like to get a second job or find employment on the beach where the money is better, but with no car of my own, I'm stuck. I'm going to ask my mom if she'd be willing to still give me the down payment and if I could keep my car at her house since her place is walking distance from ours.

If my plan falls through and I can get the car paid off, I'd like to propose to my husband that we both make it a goal to save together so that we can eventually make our first investment to flip. We already have a backup place to live as a gift from my grandparents in case things go wrong or if they pass away we could rent it out for side income, which we are considered very lucky to have.

Hopefully the future will be bright for us both.