The reason is because of external financial obligations
This is more like me here. I sat down one day and estimated all I have earned on Hive and I was surprised how responsibilities have taken large part of my earnings while I keep struggling to save for myself. The truth is, I hardly buy things like clothes on myself because of the thought of my dad and siblings who are in school. Apart from that, there are those who would come begging which I might not be able to avoid but I learnt to close my eyes these days because I really needed to save more.
I used to say if I were born with a silver spoon, things wouldn't be this difficult but I hope for luck someday while I keep putting in more efforts. Sorry about your grandma. She has gone to rest.