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How do you deal with your money? Do you have a budget? How do you stick to it??
Tuesday, February 7, 2012
Thrifty Tuesday [Real Talk]
I don't know if I've ever completely laid this out there for my readers, but I am a recent college grad who has student loans, a decent job, a 20-something [budgeted] lifestyle, and a dream of a wonderful future! In case you don't know what this means....it means that I have to maintain a very tight ship when it comes to spending, and that I need to keep in mind my goals for the future. I have to remember that I want to own my own house someday (in the near future, please!), but I also want to go out and live it up while I still can! I also want to dress to the nines and feel my best.
Over my whole life the last few years I've learned, that if I try hard enough, I can be fashionable. I can feel great about myself. I can stay up to date on trends (or anything that I really want to do). And most importantly, I can stay on top of my budget!
What's my secret? I have no secrets. It's hard. Every week, day in and day out, I want to buy a new outfit. I'm convinced that, that part of me will never change. I take every opportunity to 'window shop' online. I like to create outfits, create wish lists, and find great deals. Taking my time to find the perfect item at the perfect price has taught me a TON! I have more patience, more understanding of what it takes to get what you want, and the value of a dollar. I now face most parts of my life the same way I face a shopping trip. I'm focused, I know what I want, and I know how to do research! HA! I sound like a nerd, right?
Well, I'm here to tell you that it all pays off. Today, after lots of focused savings, and allocating my money to the right places, I was able to start something I've wanted to for a while. In the spirit of Thrift Tuesday, I'm here to share with you the result of my Thriftiness.....
Yes, that's right! I opened a legit savings account today. Not one that I'm going to throw a few pennies in every now and again. A REAL life account that I'm going to focus on building. If you've ever listened to Dave Ramsey, you know about the 7 baby steps. Well, step 1 is all about your emergency fund. I've accomplished that and a little more (part of step 2!). I'm about to pay off my first individual loan completely! Hello celebration!
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How do you deal with your money? Do you have a budget? How do you stick to it??
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How do you deal with your money? Do you have a budget? How do you stick to it??
I used to be TERRIBLE with money! Oh my goodness. I managed to rack up school and credit card debt, but I'm getting close to having it paid off - while putting money in savings and paying my bills on time.
ReplyDeleteI don't budget, I've talked about it many times but never follow through. My bf is amazing with money and budgeting, so I think he's going to start crackin' the whip on that soon :-)
I don't have a budget... but I always always know what is in my savings/checking accounts, what bills are due soon, etc. So I guess I sort of have a mental budget? Haha!
ReplyDeleteCongrats on opening a savings account! I'm HUGE into thrifting. I'm kind of a designer snob, but fortunately there are a lot of consignment stores around here that carry brands I LOVE for real cheap. Like real cheap. I've also learned that if I don't wear it, I need to give it away. And that I only should buy things that I want to use to expand my wardrobe...
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