The year of graduation and entering the workforce is a challenging year for young people living in big cities who aspire to become self-reliant. They may need to take on new living expenses such as rent, utilities, meals, etc., or even start paying off student loans. Therefore, it is actually quite normal if a young person who has just graduated and worked for a year does not have a deposit.
However, while it's normal for this to happen, it's always beneficial to develop good financial management habits, no matter when you start. It's not just about living frugally or being frugal, it's about understanding your income and expenses, and learning how to make smart financial decisions. For example, break down your budget and determine that a portion of your income is used to cover fixed necessities, and a portion is used for inflation and unexpected expenses, so that you can feel safe and comfortable even if you don't have a lot of savings.
No deposit is not the same as no sense of responsibility or no planning. Changing the state of life and learning how to survive in the workplace is a process that each of us must go through. As long as we manage our finances smartly, we don't need to feel guilty or anxious even if we don't have any savings after a year of starting out. First, acknowledge your current financial situation, and then take the bold step of planning for the future, and you will find that the path to your goals is not so far away. Understanding our finances, creating a financial plan that suits us, and ensuring the quality of our personal lives are life topics that we all need to learn.