Hello everyone. I am a millennial and I am a spoiled brat. This is one of the hardest things to say because who wants to admit to being a spoiled brat? But I’ve come to learn that admitting I’m a millennial spoiled brat is like a 12-step process. I went through denial, anger, and then many steps later, acceptance.
Now when I say spoiled brat, I mean still being coddled by my parents and living a life of dependence. I am happy to admit though that each day I am one step closer to being less and less bratty. So here are some steps you can take to not be a millennial spoiled brat.
Take over some bills
When you first graduate, you’re not going to be necessarily rolling in the dough. In fact, you might be rolling in debt but this doesn’t mean you use this as a crutch to let your parents continue to pay for everything.
Write out a yearly plan. Map out how long it will take you to officially take over all of your bills. Stick by that and sit down with your parents so that they will hold you accountable. However, start now! Take over the cell phone bill. Downgrade the phone if it costs too much. Eventually, keep working to take over everything. I know it sounds scary but we have to be in charge of our lives and that means starting today.
Start a savings fund, and actually add money to it
You should not only start taking over some of your bills but also start saving money. Now this is not money to be saved for a big shopping spree or a trip to Maui. Your savings fund is to provide a cushion for if anything is to go wrong such as new tires, emergency doctor’s visit, or whatever you may find yourself facing.
It sucks having to put yourself in the mind frame of having a bundle of money that you can’t do anything with but trust me it will be so beneficial when needed. Plus, at some point, your parents will cut you off so it doesn’t hurt to start now and have that money built up.
A great way to save money easily is to constantly ask yourself, “do I need this?” If you don’t, put the money that you would have spent on the item into your savings account. It’s a slow but sure way to build up your nest egg.
Do you get a direct deposit when getting paid? You could set it up to where the money will be automatically taken out and placed into your savings account. That really helped me in the beginning. Now I am able to take over and honestly transfer money into my savings account.
Book your own appointments
This sounds so silly but you have no idea how many times I have (still do) call my mom not feeling well. I ask her to call the doctor and make an appointment for me. Pathetic, I know but it’s so hard to go from having someone take care of you when you’re low to having to take care of yourself at all times. So, for now, I make my own appointments buttttt still call my mom and only call when she tells me to. Still bad but as I said, I’m a work in progress.
Always ask “Will this land me back in my parents’ house?’
So taking the steps to not being a millennial spoiled brat is more than just becoming financially independent, it’s also about making smart decisions. Before doing anything, I always ask myself, “will this land me back in my parents’ house?”
Having gone from an independent life in college and coming and going whenever I want, this absolutely terrifies me to think that I could end back up in my parents’ house. It’s like my own little version of the TV show Scared Straight.
So want to go on that crazed adventure with your friends that could land you in jail? “Will this land me back in my parents’ house?” Thinking about investing all my money in frozen waffles? “Will this land me back in my parent’s house?” I love kids so much so maybe I should adopt one now at 23. “Will this land me back in my parent’s house?”
So see, I am not in jail, don’t have a large share in waffle stocks, and haven’t adopted a kid. It really works so you should give it a try. It can save you from making dumb life-changing decisions.
Make your parents the last resort
Realizing that when they leave me in my first apartment, I have to start adulting
This has been my biggest and hardest one to overcome. Every time something goes wrong or if I don’t know what decision to make, I immediately pick up the phone and call my parents. I have been mid-sentence with a mechanic before and said, “hold on, I need to call my dad” and “here, he wants to talk to you.”
I once had a professional ask me how old I was when I was handing him the phone with my parents on the other line. That was my wake-up call that I need to get my shit in order. Time to stop calling my parents for every little thing. Now don’t get me wrong, you should call them for some things because they would know better than you but they should be the last resort.
Same goes with money. Even though I am telling you that you need to become financially independent, there will be hard times that you need help. Make sure that your parents are the last resort. Try to figure it out yourself, do some research, and if you still can’t figure it out then call your parents.
That’s one of the great things about Miss Millennia Magazine. We’re trying to be a source of information so that you learn to adult and don’t always have to call on your parents.
I hope these steps help you to become independent and not another millennial spoiled brat. It will be hard, but trust me we’re all in this together!