budget

One of my other goals was to write an ebook, which I completed last night.

I decided to write about something I’m passionate about which is budgeting (strangely enough). If you’re struggling with learning how to budget, perhaps my book can help. It’s totally free; I don’t require an e-mail or anything to download it.

If you’d like to know more, please visit getonabudget.com.

Thanks and good luck!

This needs more attention again. I spent last Sunday getting pampered in a spa with my mom, the credit card bills for the Japan trip came in, and my bike (that I had only a week) was stolen leaving me without either bike or 250 euros I paid for it. (Bastards!) So I’m going to need a new bike. And there are some other things I will need to buy, do, get etc. in the coming weeks. This means back to the old regime of asking myself “do I need this?”, bringing my own lunch and using my folding bike to get to work so I don’t have to spend money on the subway. This also because I’m going to cut on my working hours as of August and will be signing up for meditation and yoga classes as well and they are also pricey. Time to tighten the reigns! (Well… excepting if we go on vacation in August, then the reigns will be duly tightened as of September. :p)

-how much I spend on groceries each week
-organise accounts, take out a portion for
-tithes
-groceries
-power
-phone
-internet
each week

today i’m going to add up all the grad money i got, and put it in the bank, and take as little out as possible now, and then pretend like i didn’t get it, and just live off my pay checks. hopefully this works. money makes me so nervous.

So the ticket to Japan was cheaper than expected, that just means that I will be spending more in Japan itself! Haha, no way am I cutting on that vacation.

Ergo: must cut in other areas. Have been slacking the budgetting goal for a bit but will pick it up again starting tomorrow. Actually starting today when I decided for a home lunch instead of eating a sandwich & tea out somewhere. Hopefully this will continue tomorrow.

Currently I am mainly breaking even in the month, hopefully this will improve once I get this budgetting into gear and also with a little added income from another job I got today. More work, less free time. Means more means to do stuff I like, and less time to spend on confronting myself – will delay that as much as possible.

I have started it to control all the costs and get rid off 6k euro credit that is not decreasing for last two years

Yesterday I discovered a few hundred euros had been put into my account for some small job I’d done. Hurray! That means that there is at least a chance of breaking even this month instead of inheriting the overdraft from last month. Hurray!

I’m more or less debt free. I say more or less because I know that a lot of people my age are worse off than I am. I had to borrow money for a car, and a little to go to China, but I’ve done well to manage my expenses and make those payments, and I’ve also had a lot of greatly appreciated help along the way.

What my goal is, then, is to budget my finances in a way that I actually begin to save. Right now things are stretched just about to the limit, but I want to seek more ways to cut costs and more opportunities to increase or supplement my income so I can begin to plan for the future.

Wesabe.com has been a boon as far as tracking everything. It’s a great way to see exactly how much I earn/spend every month, and what I’m spending it on.

In February I tried to spend very little. This month I’m giong to write down everrything I do spend and then from the results I should be able to make a workable budget.

I have tried to save lots of money this month and next month I intend to write down everything I spend. Then I’ll get on to the detailed stuff.