One of the most wonderful and rewarding parts of being an adult is the joyous privilege of paying bills! (severe sarcasm intended)
These days it feels like I’m on a never-ending hamster wheel of work, work, work, bills, bills, bills. (seriously, it’s super fun)
Do you make a budget?
I plan for everything. If it’s going to cost me money, I include it in my budget.
Rent, groceries, gifts, toothpaste, gas, drinks with friends, an oil change, whatever it is, if it has a price tag, it goes in the budget.
And in case you haven’t noticed, EVERYTHING comes with a price tag!
Since my mom is super awesome (and maybe a little crazy) she taught us kids to be super responsible when it comes to our finances.
Thanks to her; I never carry a credit card balance, know the difference between a “need” and a “want”, put whatever I can into savings each month, and always keep a little mad money around for that pair of shoes I just can’t live without 🙂
I hate when people say they live on a “fixed income”.
Everyone lives on a fixed income! It’s called your paycheck!
These days my budget’s so tight, it not only squeaks, most days it screams!
So I have to count every penny.
I religiously keep track of expenses in an excel spreadsheet and balance my checkbook on a weekly basis.
My friends have often heard me ask for a receipt with my purchase (and of course mocked me for it) but, if I don’t write it in the ledger, it never happened and then my budget is all sorts of screwed.
I don’t care if printing that little slip of paper for my $3.78 purchase isn’t environmentally friendly.
Unless you come up with a system where you can email me my receipt, print that bitch out! Please 🙂
How do you keep track of expenses?
Do you write your budget out each month or just wing it?
For those of you who could use a little financial planning help, check out money guru Suze Orman’s five tips for women.
Don’t worry boys, you can check it out too, financial advice is gender nuetral 🙂