Long story short, I'm in my late 20's with a decent paying job, no school debt, but no good experience with money and how to handle it. My only parent wasn't very good with money or teaching me how to be good with mine. Seeing as I'm creeping on 30 I want to start taking my finances a lot more seriously than I have.
So my income is dependent on my production at work, in the last year my weekly check after taxes has never been less than $900, hasn't been more than $1,600, and a safe assumption is my average paycheck is around $1,200 USD.
I have little savings, recently started using the clarity money app that stashes $20 a week without me seeing it.
I have no 401k at my job, but I believe it's an option.
Monthly expenses; Rent $600 after utilities Car payment $417 Phone $70 Small loan payment $100 Insurance $237 (paying my dads insurance as well right now) Spotify $10
Credit cards; AMEX green $0 not sure limit Chase freedom $2,586 on $6,000 limit Chase freedom unlimited $0 on $5,500 limit JetBlue Barclays (travel a lot) $1,100 on $9k limit
I never miss payments and have been paying these down pretty aggressively.
I also recently purchased my sisters car since she bought a new one so I can dump the car loan and the car payment expense.
The small loan is very low interest but I also want to pay that off asap.
I'm essentially looking for good advice or an app on how to structure a real life budget that allows me to still enjoy eating good food and occasionally traveling.
Please let me know if I've left out any important info.
Edit; can't spell
Submitted December 30, 2017 at 11:21AM by vallelunga http://ift.tt/2ElD6fR
