Jump to content

Joan

Members
  • Content Count

    36
  • Joined

  • Last visited

Community Reputation

7 Trust is building

About Joan

  • Rank
    Advanced Member
  • Birthday 11/29/1984

Profile Information

  • Gender
    Female
  1. Joan

    Loving YNAB

    I was like that my first time through college, but now at almost 30, I wish back then I knew what I know now.
  2. Joan

    Loving YNAB

    Since I'm currently a college student I decided to take advantage of YNAB being free for college students, and while I'm still adjusting to using it to keep my spending under control, it's given me a great look at where my money is going. While I've only really used it for a month now, I have tracked most of my spending, and seeing how the little purchases have been adding up is eye-opending. Hopefully next month I won't spend as much, but I am likeing this much better then actually cash envelopes, since I had a hard time keeping track of my cash spending.
  3. I know in the past, I've almost always broken my budget for something related to a hobby, so I'm just seeing if it has its own category, maybe it would help. For me entertainment is for things I do when I spend time with my boyfriend, or the occasional eating out with a friend.
  4. ATT is for cable/phone/internet. Technailly I'm only responsible for the internet portion of it as my rent, which is less then half, but I am still waiting to get paid back. This budget is based on making only 168/week, when lately my paychecks have been more like 250. haircut is about 20$ a year, or less, and I figured on cash flowing clothing and medical.
  5. Lately I've been spending a little recklessly, so I have come up with a budget that I think is doable. Income: I work retail, with highly variable hours, but I am guaranteed 15 hrs/wk (unless I request time off or am sick). Lately I've been getting around 25 hrs a week, but for simplicity sake I'm going to budget based on the 15 hrs. 15hr*11.20=168/wk*4=672 month (in actuallity it's closer to 800/month, but highly variable) Bills: Netflix: 8.07 Cell 27.29 ATT: 175.42 Spending Gas: 100 Food: 200 Blow:50 Hobbies:50 Entertainment:40 Misc: 21.22 Current Accou
  6. Joan

    Off Track

    Since the last time I've been here, I have not been keeping to a budget. In Dec I went through my bank account for both Nov and Dec and found that I had been spending more then I had been making, (I had some saving so I did have the money in the account) I told myself I would do better this year, and in Jan I told myself I was going to stick to a budget. That lasted a little less then a week when I went shopping and came across an unbeatable deal on something. I did earn more in Jan then I spent, and in Feb as well, but barely in Feb. So far this month, I've spent more then I've made, and look
  7. There is a nice little cafe on campus, but it is a little on the pricy side. Also, as much as I would like to use cash here, there is a slight discount if you load money on to the student id, and use that to pay for food. That reminds me I forgot to account the 40$ I still have on my card when I was figuring out the budget for this month.
  8. You are not a failure as a mother, and kids will get into anything they can. When I was about that age, I decided to help my mom wash the floor by pouring out a large puddle of laundry detergent on the floor.
  9. After keeping to my budget for the entire month of July; (The longest I've sucesfull stuck to a budget) I didn't keep to it for Aug and Sept; now I'mg going to try again. I do no my biggest problem is with food (mainly snack food); and in addition between work and school there are some days I'm not home for any meals. On tue I usally get up and go straight to work for 9, then go straight from work to school, and then my last class doesn't get out till 10, so I get home around 10:30; I also find it easier to eat candy/snack then it is to get a meal.
  10. Joan

    First Month Down

    This is the longest I've sticked to a budget, and I have some comments My food budget at 200/month was to high, most of which was spent on junk not on healthy food; I do need to work on that. For Aug I'm going to try to bring it down to 180/ month. I had to buy shoes this month, and the only shoes I could find that fit even semi decently were 108$ My computer decided to stop working all together a few days ago, so now I need to figure out if I can afford a new laptop; In addition I need to buy textbooks this month. The hard part with the laptop is I see the money in my bank ac
  11. The budget for July was based on everything I had in my bank account at the time, and then the plan was for August to base my budget on what I had made during the month of July. Starting Balance was 716.50 and Food/Gas/Blow was 320, phone was 26.59, and cable 223.40(Double since I forgot to pay last month); which leaves 146.51 to re-start my bef. For one of the positions I did once a week at work, required my shoes to have this slip resistant cover on them, and since I found it a pain to take on and off, I just left it on. Since I don't work in that department anymore (except for rare occa
  12. Joan

    Wow

    I just went logged on to my bank account to check my balance; and noticed that I got paid about 100$ more then I get on average; and knowing that I had two days off instead of my usual one I decided to check my pay stub. 25 normal hours this week (normally between 17-23); Twice that week I was asked if I could work longer then scheduled 5.5 Sunday hours; (normally between 4-7 hours) Time and half on Sunday. 6 hours holiday pay; (I forgot I get holiday pay) and it makes me feel a little bit better about leaving a 45 minutes early this past Sunday.
  13. Joan

    So far so good.

    It's been 11 days since I started my budget, and I'm still on budget; which actually surprises me. I didn't think I would last this long. While I do get payed weekly, I think I prefer budgeting per month and only giving myself half on the 1; and the other half on the 15th. For gas, I didn't need to put any in untill a few days ago, so I should be good for a little bit; and I'll have more gas money on the 15th. For food I have about 27 left. I would have more; but after a few days of not buying snack food, that seems to be all I buy now. I really do need to work on that. For blow m
  14. Joan

    Dinner.

    In the past I have tried doing it paycheck by paycheck, and it didn't work for me. I'm hoping that by doing it by month (but pulling the money bymonthly) will help
  15. Joan

    Dinner.

    I hope this is going to work for me this time. Longest I've lasted before is a little under two weeks, so if I can stick to it for the entire month it will be an achievment. One thing I think that will help is being somewhat generous with the categories for now, and then I hope to lower them after a few months here.
×
×
  • Create New...