Hi. Im 23 and just started saving for my EF last October 2020. My goal is 50k and accdg to my mobile banking i can reach that by Oct 2021.
I have vices (smoking 1 pack/2 days and vape if i have no choice). Just wondering if anyone here is in the same situation but still managed to save. I keep thinking whenever i finish 1 pack "welp there goes more than 1 hr of my earning" but still find myself running to the nearest convenience store to buy another pack.
I provide for my 2 sisters in college. At the moment i am practicing 30% savings - 30% remittance - 40% expenses (including rent, bills, groceries, and vices). I dont spend alot for myself so this is the only thing i consider a "want".
Just need your honest opinion on whether or not i can save while i have vices.