Budgeting for the Future
I received my payment schedule for both my car and student loans, so I’ve been able to finalize my monthly budget.
Luckily, the amount owed is less than I originally budgeted. Unfortunately, I still lost roughly $200 each month, if I hit all my budget caps. Over the last two months, I have been fortunate enough to achieve about two bonuses each month that allow me to maintain myself above water. It’s tough knowing that my job performance will determine my ability to tread water, financially, but at the same time, it may be the motivation I need to keep putting in 100% effort even when the stress starts to get to me.
My current big-girl job goal is to bring in new clients and close 10 cases by March. I am going to start reaching out to people somehow, some way, and I will make a difference.
My current Beachbody goal is to help at least three people and run one challenge group each month. Additionally, I want to actually finish Insanity Max:30 by March. I may restart the program since I’ve had the worst time working out more than 3 or 4 times a week. #truth
Back to the main point here — my budget. I am going to post my excel below so you can see the line items I’ve added. Some of the items may not be as important to you, or you may have a non-negotiable that needs added, its supposed to be whatever works for YOU.
Check it out and let me know if you have any questions…. oh, and, yes, I’m still struggling with my Starbucks addiction. Nonetheless, I am down to two times a week. #success
Take notice that my yearly expenses are more than my take-home income… which is why SAVING and finding ways to maximize your budget is super important.