I just figured out that if I stick to only fixed expenses and necessities (Groceries, gas, laundry), I could have $316/month remaining. I live alone in a small one-bedroom apartment, have two cats, and commute 1 mile to my state job where I make $26/hr. I’m feeling pretty down about this. Last month I spent $250 over what I made just by “living carefully” and not tracking. Also, any easy tracking app recommendations?
Hey, keep your head up! You are providing a roof over your head, putting food on the table, and caring for two cats. There’s nothing wrong with a simple life. Be smart about spending and find ways to increase your income.
YNAB has been my go-to for the last 7 years. It’s eye-opening and helps me make better decisions with my money.
The economy is pretty bad, so don’t feel low. The fact that you can save anything is an achievement. You’re doing great.
I use the free version of EveryDollar. You have to manually input everything, but I find that helps me stay mindful. I usually have about $50 left over each month.
Like $350-400. Once I pay off my car, it will be $950. I have some debts to eliminate, and then I’ll have $1,400 left every month.