Really fast to set a budget. Being able to look at past spending makes it pretty easy to zero in a reasonable amount. I feel some confidence about being able to save for a house down payment. 4 weeks ago
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Always had a preponderance of debt or a surplus of cash. Need to plan. 1 month ago
I joined Mint.com a week ago and wow what an eye opener! It has access to my bank account so it breaks down my spending. I spend way more money on eating out then I could have imagined. Next month will be my first full month. I am excited because I can track my spending in real time. 1 month ago
And realised I’m overspending a lot and not saving enough. But I can’t really shave much off my expenses so I’ll probably have to get another job if I want to start saving properly. I’m not going to mark this done because at this point I’m not happy where I’m at financially and this will probably need to be reassessed several times in the coming months/years. 3 months ago
So after going through all my bills I realize how much money I waste eating out so often, buying clothes more precisely shoes I do not need! and just other stupid things. Since I discussed why I am saving money with my mom I don’t have to pay rent anymore! Yay rent free for a year, I will only be chipping in for the bills I guess.
So 260$ for car insurance, 80$ for phone bill, 150$ spending money bi-weekly (including gas), plus whatever I can spare to pay off my visa ASAP.
I’m going back to the old school and using the jar/ zip lock bag system.
Once I’m out of cash… Well I can’t have. Period.
I by some miracle I do not spend all of it. Then the rest will be carried forward to the following week.
If have to money this year and seriously change my ways. Or how could I afford uni???
6 months ago