Ahh by 'overdrawn' I thought you were referring to the overdraft facility on bank accounts. Which is basically a short-term loan.
I understand you mean overdrawn in the more psychological sense. In that case yeah I probably am.
So I'm making more than people around me yes. But here in Spain that's still not a lot.
And as far as saving, I've been moving around a lot and that tends to make that harder. I'm also very bad at finances. And I'm a bad architect too. I'm more of an engineer really. The problem is that that used to be the same thing at this company for a while.
I meant it to include your sustainable psychological load but I mean it more holistically. We have resources that are financial, intellectual, temporal, emotional, relational, and more. We make balancing decisions based off our relative value structures over those values.
Based off a quick search, it seems you should be looking at 1.5-4 times average. That would leave you with a minimum of 33% available for saving but you could live in a particularly high cost of living area or be subject to other factors. I have struggled to understand why the salaries across Europe seem to be on such a different scale and would have tried to move there if they were more comparable.
Please understand, I don't mean to criticize. I have been in similar situations and still particularly struggle with the constant pressure to detach from the craft to become a people manager (eh, hem... influencer). I've found that the most valuable asset to changing my relationship with money is self compassion and self love. After all, good money (and life) choices are about making tomorrow always better than yesterday and helping others on to the same path. What better way can we care for ourselves?
Anyway, I wish you the best and hope these comments might help you find your path to joy.
I understand you mean overdrawn in the more psychological sense. In that case yeah I probably am.
So I'm making more than people around me yes. But here in Spain that's still not a lot.
And as far as saving, I've been moving around a lot and that tends to make that harder. I'm also very bad at finances. And I'm a bad architect too. I'm more of an engineer really. The problem is that that used to be the same thing at this company for a while.