I really need to do this. I am so tired of living pay check to pay check…or just not having it period. I read that you should really have enough money saved up to last at least 3-6 mos. That way if an emergency comes up, you don’t have to worry about where it’s coming from, or that it has to come out of your pay.
So I think for now, I’m going to start easy & just put away like $5 every 2 weeks. It isn’t much, but right now the object is just to start so that it becomes a reflex. Later on, I’ll increase the amount. I actually want a CD for myself & my son. 15 hours ago
So the holidays hit REALLY hard, and I’ve been hurting. I took out loans against my CDs and a signature loan. I withdrew from my IRA almost $400. Ouch.
On a good note, the loans are paid half down and I have my tax return coming next week. I plan to pay off one loan, open a CD to pay off another loan. My contribution to my savings account had been up to $110, then I dropped it down to $50 over the holidays, but it’s back at $110. I don’t know what I have in that account I think roughly $2200. Maybe I’ll withdraw and put it in the Holiday account here for the higher interest and make it enough for a CD in Nov. 4 days ago
I set up my checking account to take out $70 a week and put it automatically into my savings account. I really want to save up for a down payment on an apartment, but $300 a month isn’t going to cut it. I have to think of other ways to make money, and then save it without splurging on things I don’t really need. 5 days ago
Opening an account for arrowhead soon so gonna start saving there:) 1 week ago
I was able to put away quite a bit the last 2 months. Amazing how much money I have left over when I cut out extra spending. Granted I’ve been eating mostly ramen, spaghetti, hotdogs and eggs but it feels good to see my savings grow.
What helped a lot of was going out for ice cream or coffee with my friends instead of eating out. Also, cutting out spending on my guilty pleasures, Movies and Video Games. Now I’m actually waiting until a special occasion like my birthday or a holiday to buy something I really want. 1 week ago
I’m saving 13% of my gross income in a 401k account. Need to figure out if I should also save 5000 a year in an IRA. Will do that if I can convert it into a Roth IRA. 1 week ago
My shifts were all over the place this fortnight but I managed to finish in front. This is the last payday before I move into the unit so I took the opportunity to buy myself a wallcharger and itunes giftcard for my iPod – because I probably won’t have the money when I move.
- Expenses $259.00
- Gym Membership $36.00
- Maintenance $55.00
- Emergency Fund $129.24
- Savings $112.22 1 week ago
I kept expenses down last month, so I should have some left over this month. But looking back, I think I’m still in the hole overall. It may take me a while to climb back out. Sigh. 1 week ago
not making any money right now, so there’s no saving any, fo sho!!! spending some, though, ‘cause living is not free nor cheap! 2 weeks ago
