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So ive budgeted myself to a certain extent but have been more or less concentrating on paying down my debt. SL I have 24000 down from 34000 since feb of this year, paid 10k car loan off probably in 6 months before that probably around 8500 when I started paying it down. My EF is small 600 now with another 400 saving for my wedding next august and maybe 200 in my checking.
Im trying to get my EF up to 8k my wedding savings to 5k and keep a balance on my checking account around 500 on top of putting 6% in my 401(k) 6% company match and another 3% (100 a month) in my ROTH.
I have my car insurance coming up 280-290 this month not sure of the exact amount. I thought I would have enough tread on my tires to get me through the winter but after my oil change (will start doing this myself soon) it seems like I will need to get new tires. Normally the tires would cost about 800 for all four (available to switch to 4 wheel drive vehicle) but with a sale they will cost 613 with a 50 dollar gift card and 60 dollar mail in rebate.
I will be able to afford it all but I think I will pay for my car insurance next week when it is due and put the tires on my CC and put 100-200 each week towards it to pay it off so I can see increase to all my accounts and decreases to my SL debt as well as my CC at that moment. Currently the CC has a 0 balance.
I forgot to add that I will need probably a minimum of 1000 for a rent in december that will start a new budget for myslef but I will have someone to help since my fiance and I are moving in together.
All this is making me stress so much and it truly is hard seeing such little increases 50 dollar increases to my accounts some weeks even when working 50+ hours a week. I know there are people much worse than me and im thankfull for full time employment and steady hours but it has been getting to me especially when im dealing with long distance between me and the fiance shes a half hour from me when im at home and I work a half hour away in the other direction so a full hours drive if I want to see her after I am done with work. I am greatful of my parents being more than amazing by letting me stay with them and I will never be able to pay them back but they relized that 45k in debt or more and a weak job market made it tough to find a good job and 1,100 a month in payments for my loans alone was not going to be easy for me.
Sorry about the long post I just needed to get a little something off my chest.
Im trying to get my EF up to 8k my wedding savings to 5k and keep a balance on my checking account around 500 on top of putting 6% in my 401(k) 6% company match and another 3% (100 a month) in my ROTH.
I have my car insurance coming up 280-290 this month not sure of the exact amount. I thought I would have enough tread on my tires to get me through the winter but after my oil change (will start doing this myself soon) it seems like I will need to get new tires. Normally the tires would cost about 800 for all four (available to switch to 4 wheel drive vehicle) but with a sale they will cost 613 with a 50 dollar gift card and 60 dollar mail in rebate.
I will be able to afford it all but I think I will pay for my car insurance next week when it is due and put the tires on my CC and put 100-200 each week towards it to pay it off so I can see increase to all my accounts and decreases to my SL debt as well as my CC at that moment. Currently the CC has a 0 balance.
I forgot to add that I will need probably a minimum of 1000 for a rent in december that will start a new budget for myslef but I will have someone to help since my fiance and I are moving in together.
All this is making me stress so much and it truly is hard seeing such little increases 50 dollar increases to my accounts some weeks even when working 50+ hours a week. I know there are people much worse than me and im thankfull for full time employment and steady hours but it has been getting to me especially when im dealing with long distance between me and the fiance shes a half hour from me when im at home and I work a half hour away in the other direction so a full hours drive if I want to see her after I am done with work. I am greatful of my parents being more than amazing by letting me stay with them and I will never be able to pay them back but they relized that 45k in debt or more and a weak job market made it tough to find a good job and 1,100 a month in payments for my loans alone was not going to be easy for me.
Sorry about the long post I just needed to get a little something off my chest.
nothing good in life is easy, Your doing great!
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