It Feels Like my Debit Card is Filled with Endless Money…

But it’s not. I’m a spendaholic. I got it from my mama…and my dad…and my grandma, and about every other person in my family. I’m not proud but the enormous shoe closet cannot lie (and I can’t even put my body in front of it to cover it all. Thanks JustFab). I didn’t save money in college. I spent it all on pizza and wine. As much fun as I had in college I was not prepared for the real world of spending at all.

So when I went apartment shopping I clearly wanted the more expensive apartment with granite countertops. In my mind it was life or death. But then my dad sat me down and told me “Child here’s an expense sheet. You cannot afford all you want.” So I looked at it and I argued with him and I was seriously wrong. So I got the cheaper but still beautiful apartment that I’m much more grateful for anyways because the closet is huge (hence the need for more shoes!)

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I make decent money for a recent college grad and I definitely have some extra spending money but there’s also a lot that needs to be paid…EVERY MONTH. Yes its true, you have to pay bills every month.

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So here’s my advice on buckaroos.

  • Bills come first. No matter what you want or think you need, you won’t have any place to put those things if you don’t pay your rent. I have two checking accounts. I send a certain amount of my paycheck into one so at the end of the month I can pay my bills and have a little money to spare. I really advise you to do this. It helps me to make sure I have enough every month and my savings account is now getting plentiful. Also get Mint to help you better track!
  • Pay your bills ahead of time. If you have the money and you don’t have a dire emergency pay your smaller bills. I usually pay my cable and parking halfway through the month.
  • Do you really need it? Cable and internet are not cheap. You’ll need internet because most Americans do but if you don’t watch television a lot or have a Netflix subscription then maybe lose the cable.
  • Chose what you want. Some people like video games, some like books, I like clothes. Budget your money around what you know will make you happy. You might find yourself spending money on things you don’t really need (see below). Also sometimes saving money for a vacation is a better idea. My man and I are going ziplining over a wildlife safari next Spring. I think I’ll remember that a lot more than the purse I tried to buy the other day.
  • Don’t spend it all on eating out. This might seem liker common sense but you’ll find yourself eating out at lunch or getting nachos during happy hour. It adds up. Here’s some good brown bag ideas.

I could go on for days…and I will in a later blog post. In the mean time, what’s your best spending habits?

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