I’m a 24-year-old nurse living in Pittsburgh, PA. Honestly, I feel like I’m drowning over here when it comes to budgeting. I’ve never been great with money, but I’m trying to get better. I work three days a week at $34.65 an hour, and my paychecks range from about $2,049 to $2,162. With loans and expenses piling up, I’m wondering if I can even make it work living here. I’d love any advice on splitting payments or just figuring things out. Thanks 
You might be in a tough spot, but it sounds like you can manage. Your expenses seem high, but you still have some money left over each month. Have you thought about getting a side gig?
Phoenix said:
You might be in a tough spot, but it sounds like you can manage. Your expenses seem high, but you still have some money left over each month. Have you thought about getting a side gig?
Yeah, I’ve thought about it, but I’m already working so much. What do you think would be a good side gig?
I think you should track where your money goes. Try an app or even a simple spreadsheet. It can help you see what you can cut back on.
Lane said:
I think you should track where your money goes. Try an app or even a simple spreadsheet. It can help you see what you can cut back on.
Good idea! I’ve never really tracked my spending. Any app recommendations?
Lane said:
I think you should track where your money goes. Try an app or even a simple spreadsheet. It can help you see what you can cut back on.
I’ve heard good things about YNAB and Mint. They’re pretty user-friendly!
Have you considered the 50/30/20 rule? It might help you allocate your income better. Essentials, wants, and savings/debt.
Lennon said:
Have you considered the 50/30/20 rule? It might help you allocate your income better. Essentials, wants, and savings/debt.
I’ve heard of that! Can you break it down for me?
Lennon said:
Have you considered the 50/30/20 rule? It might help you allocate your income better. Essentials, wants, and savings/debt.
Sure! 50% for essentials like rent and bills, 30% for wants, and 20% for savings or paying off debt. It’s a good starting point!
I feel you… grocery prices are crazy. Maybe try meal prepping to save some cash? It helps me a lot.
Mori said:
I feel you… grocery prices are crazy. Maybe try meal prepping to save some cash? It helps me a lot.
I’ve thought about that! It seems like a lot of work, though. Does it really save money?
Mori said:
I feel you… grocery prices are crazy. Maybe try meal prepping to save some cash? It helps me a lot.
Definitely! It’s saved me money and time. Plus, you can make bigger batches and freeze leftovers.
Building an emergency fund is super important. Start with just one month’s expenses to avoid stress when unexpected costs pop up.
River said:
Building an emergency fund is super important. Start with just one month’s expenses to avoid stress when unexpected costs pop up.
That makes sense. I guess having a buffer would help a lot. How do I start saving for that?
River said:
Building an emergency fund is super important. Start with just one month’s expenses to avoid stress when unexpected costs pop up.
You could set aside a small amount each paycheck. It adds up faster than you think!