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Start with your income and subtract all the money you have to spend: housing, transportation, insurance, medication, groceries, phone, etc
The amount left is what you really have to work with.
It’s not reasonable to think all that goes to paying off your debt (but it could!) because you still get to live at least a little. But think about canceling subscriptions, changing your phone plan, etc.
Jul 1, 2025
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Piggy backing off of this to share opening a savings account and having X amount of your paycheck automatically put into it can be very helpful. Out of site, out of spending mind.
Jul 1, 2025
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💳I kept a balance on my credit card for years and it weighed on me. Waves of financial anxiety. Even the relatively small amount I had on it felt like a ball and chain.
Set yourself free. Pay off your debts and build a savings account, if you are able. It doesn’t need to be $10,000. Work toward $1,000 even. Save enough for that next big emergency or expense. That way you’re not reliant on credit when life happens.
Set yourself free. Pay off your debts and build a savings account, if you are able. It doesn’t need to be $10,000. Work toward $1,000 even. Save enough for that next big emergency or expense. That way you’re not reliant on credit when life happens.
Apr 12, 2025
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💰assuming you haven't already done this. i just put mine in a spreadsheet. i include figures for "investing" and "saving" then just put an amount i know i can afford every month. just make the budget and stick to it. if you find you can't stick to the budget then maybe examine your spending habits and see if there's anything you can do without buying.
Dec 1, 2024
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💸because doing more than a little bit is stressful, but it's nice to start getting an idea of just how much money you're spending in a month...
Feb 29, 2024
Top Recs from @bee1000
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I’m not sure why, I guess things ending are sad. Here’s a self portrait I made in charcoal. The proportions are wonky but it kinda looks like me!
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The occupation persists, the oppression persists, the torture persists.
The occupiers are psychotic and their work is never finished. People who’ve paid attention won’t be surprised by this photo from Gaza.
The occupiers are psychotic and their work is never finished. People who’ve paid attention won’t be surprised by this photo from Gaza.
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🤪I’m 50, I say because that makes me unusual in this context. I paid [redacted] for a ticket to the Eras Tour after listening to tswift for 3 weeks, and it was worth it. In second grade my teacher gave kids birthday spankings over her knee, and in sixth grade my teacher told my mom I hadn’t blossomed yet. I’m a good friend, mostly to people on the internet. I’m good at conversing with strangers. I’m usually the oldest person at the show but don’t feel like it. I’m good at being helpful. I’m sarcastic and funny and make myself laugh. I’m a good graphic designer and a conscientious driver. I’m a good photographer and I can successfully follow recipes. I don’t use my Peloton enough. I did a lot of caregiving for my mom for several years, and we enjoyed spending time together even if it was mostly in waiting rooms and my car. The fastest I ever ran a mile was eight minutes and six seconds. I drove the same car for 20 years and then replaced it with another one. I enjoy tipping, giving money to people on the street and Disneyland. I am a fan of baseball, Formula 1 racing and the Criterion Channel. I solve about 80% of New York Times crosswords. I take Prozac and Wellbutrin, and take Trazodone to sleep through the night. I wish I had a glassed in solarium so I could sleep in it on rainy nights. I would like to have a pet cat and a garage. I could happily live eating only cereal and fruit. I overshare on the internet and undershare elsewhere. ✌️💛