hey ladies, sorry to crash but i wanted to make sure there wasn't a thread about budgeting before i started a new one
i've been depressed about money the past couple of weeks especially because i've had unexpected expenses with car trouble. i just got outta school for good and now i am officially able to begin saving money so i am excited about that, although i am gonna have to dip into my savings to pay for my car repairs (rather do that then accumulate more debt on a credit card).
*what i a do to save money is also have money directly deposited into a separate savings account. since my savings account is at a credit union that is out of the way to get to, i don't dip into it as much.
*i try not to use credit cards. it seems that even if you charge $100 on a credit card you can't resist the urge to keep on using and then that little bit of charged money builds and builds until it is impossible to pay off.
*i just started a new position where i am reimbursed for all gas/tolls/parking/items i buy for clients. when i get these expense checks i automatically deposit it into my savings instead of back into checking where i have easier access to withdrawl.
*i also write out what my estimated expenses are for the month. i pay off all my bills on-line on the same day.
*a new thing i thought of to save money is that i pay my rent in cash every month to my landlord. when i go to the bank i am going to take out an extra $100-$200 on top of the rent and then go and deposit this into my savings account.
*i've also found that my biggest problem with money is access to atm's. also i tend to eat out A LOT so spending $40.00 in 2 days is really not a rarity to me. i am also working to change my eating habits and bring food from home and cook at home as opposed to eating out so much (this will be a toughy).
KEEP THE GOOD ADVICE COMING!!!!!
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