I’m trying to get myself together too (though not nearly as impressive as your method). I’m writing down everything I spend, from a soda, or groceries, to rent. I quickly saw I was spending, like, to the penny of my check, and saw I wasted a good $200 on just bullshit. I’m trying to put on my big girl panties and get it together. Whenever I saw no to something, I’ve been putting it in a savings account. Like, “eh, I can make dinner at home.” Okay, then that $15 for the cheeseburger that you were okay with is now going into savings.
My goal is to end this year without debt. School, credit card, all of it. Tired of it lol
Why would I give the IRS an interest free loan? Taking that same 5% from your paycheck directly and setting up an automatic transfer to a high-yield savings account or an IRA each month would give you better dividends over the same period of time.
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I’m trying to get myself together too (though not nearly as impressive as your method). I’m writing down everything I spend, from a soda, or groceries, to rent. I quickly saw I was spending, like, to the penny of my check, and saw I wasted a good $200 on just bullshit. I’m trying to put on my big girl panties and get it together. Whenever I saw no to something, I’ve been putting it in a savings account. Like, “eh, I can make dinner at home.” Okay, then that $15 for the cheeseburger that you were okay with is now going into savings.
My goal is to end this year without debt. School, credit card, all of it. Tired of it lol
Why would I give the IRS an interest free loan? Taking that same 5% from your paycheck directly and setting up an automatic transfer to a high-yield savings account or an IRA each month would give you better dividends over the same period of time.
That’s an impressive level of financial responsibility, nice job