June: Stay Unplugged
May: Run a 5K
April: Beautiful Nails
March: Get Organized
February: Picture Projects
January: Get Healthy
I started this project 7 months ago. My main goal was in January, and the next one I knew I needed in my life I have been putting off.
Getting a budget.
I kept saying it was a bad month to start it. I wanted to wait until after I had my tax money, then until I had my raise, then it was the start of summer. Really, there was no good time for me to take this on. So, no time like the present.
My problem: I have champagne taste on a beer budget. It’s ridiculous. I have tried to cut back on my spending habits and put money aside. But, I am horrible at it. This has led to a number of bills piling up, and me unable to put a dent in anything.
My solution (I frikken hope): I have downloaded an app to track all my expenses. I am going to write out all my income and expenses and see what I can/need to cut out.
I am hoping by forcing myself to stick to a budget for a month, I will see all the ridiculous things I am spending cash on and learn how to start getting out of debt.
Do you having any easy budgets to follow? Any apps you recommend? Should I meet with someone from a bank to help me figure it out? HELP. I am not looking forward to seeing the damage I have done.