So now that I have a job, I finally have money coming in again. Which is great. I get paid twice a month: once in the middle of the month and once at the end. And now that I know how much my take-home pay is, I have fewer crazy merry-go-rounds spinning through my brain than I did a few weeks ago.
The monthly saving/spending/debt repayment plan that I devised, based on my salary and semi-monthly paycheck amounts, looks like this:
Friends, today I ask for your advice on an important decision I’m currently pondering. A decision involving…apples.
Haha, I crack myself up. Of course clean clothes are worth it. But cleaning them is not free, that’s for sure. As you are probably aware, the formula determining how much it will cost you to do laundry this month is:
If my sources are correct, it is now November, which means that my October Challenge to purchase zero restaurant food or takeout is officially over.
Rather than going through each day individually (since it occurred to me that maybe it is a bit of a leap to assume that just because you are reading my blog, you care what I had for dinner last Wednesday?), I will just offer a few brief highlights:
I did not choose a black and orange theme on purpose for Halloween — it just happened!
So the last time I went to get a new phone, this is what happened:
Me: Hi, my phone stopped working this afternoon, can I have a new phone please?
Sprint salesman: Sure, what kind of phone and service agreement are you interested in?
Me: Like an iPhone. Like the cheapest iPhone.
Sprint salesman: Ok, would you like —
Me: Whatever you recommend. Just a phone that works. And a normal service agreement.
Ok, folks, this has been a long time coming. I’ve changed a lot of my spending and saving behavior over the past ten months or so since I had my *Aha!* moment of finally becoming financially conscious. I’ve started tracking my spending religiously, contributing to my Roth IRA each month as well as to my Betterment account, and, as you may know, I’m committed to a ban on purchasing restaurant food and takeout for the month of October.
BUT. There are still several* consistent monthly expenses in my spending tracking spreadsheet that need to be talked about, and the first one on the list is yoga.
I’m proud to announce that I’m halfway through my October Challenge to not buy any restaurant food or takeout, and so far so good! Here’s a rundown of what I did for dinners and weekend meals this past week, as these are the times I would typically resort to takeout:
So when it comes to adding money to your bank account, there are big potatoes and small potatoes. The paycheck from your full-time job, no matter how much you make, is big potatoes. The $20 bill you found on the ground and the $10 you made from selling an old coffee table on Craigslist are small potatoes.