Budget Problems

super_doofus · 2018-01-11T12:00:16+00:00

Honestly your first step should be breaking down what you already spend your money on now and how much in each category. If you did that then the internet could actually help you. But I would assume almost everything besides your basic needs falls into the category of shit you don't need or really use anyway or going out for food/drink way too often.

Stop buying dumb shit you don't need, keep going out for food or drinks as a rare treat (this includes coffee). When you struggle trying to decide if you should buy your 10th pair of jeans just know there's people who can literally fit their life in a backpack who are happy as fuck

dorgan64 · 2018-01-11T11:30:36+00:00

check out Dave Ramsey show on youtube , and get his book '' the total money makeover'' , it will help you a lot.

J-Rezin · 2018-01-11T12:50:17+00:00

YNAB (You Need A Budget) - $5/month, has a cult following and a subreddit dedicated to it.

Personal Capital is free and tags your expenses automatically when you link your bank account. I’m liking it a lot.

Real talk. I’m pushing 40 and just got debt-free. If I knew better when I was younger, I could be retired by now. Don’t be like me. Get real with where you’re wasting money, be creative, make a game of it, live below your means, and invest your leftover cash. Cruise over to r/financialindependence and learn from the financially red-pilled.

maxrp · 2018-01-11T13:22:12+00:00

use a spreadsheet.

GregTRP · 2018-01-11T14:41:26+00:00

With such little info there's not much to add to the other posts. Overall, it's simple. Stop buying what you don't need.

Look at what comes in every month, what goes out, why it does. Stop going out for lunch/dinner if you are. If you can't cook, learn. Try using cash if you are prone to waving a bit of plastic about and uninstall android/apple pay from your phone.

You may wish to look at /r/personalfinance - the best advice we can really give you on this sub is to stop relying on an easy fix app to do it and just own your finances.

Open your online banking and look at what's between both paycheques. Decide what is unacceptable and cut it out.

TakeEverything · 2018-01-11T16:21:24+00:00

Track all expenses.

Title	Budget Problems
Author	1BadDayAway
Upvotes	4
Comments	13
Date	January 11, 2018 5:59 AM UTC (8 years ago)
Subreddit	Posted in /r/askTRP
Original Link	https://old.reddit.com/r/asktrp/comments/7pm37e/budget_problems/
Archive Link	https://theredarchive.com/r/askTRP/budget-problems.121801 https://theredarchive.com/post/121801

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