Tl;dr I made a lot of financial mistakes in my early twenties and am slowly working on rectifying it.
Much like a lot of the folks here, I was never taught money management by my parents. Though by no means am I blaming them for my slight, perhaps if had been taught how to better manage my finances, I wouldn't be in such a pickle now.
With all that being said, I've been working on putting together a couple of spreadsheets to both help me visualize my budget but also to help me gauge a timeline for paying down my total current debt (I would like to buy a house sometime in my thirties).
Hopefully this also serves as a platform to improve my credit because it's pretty terrible and I'd like to not be subject to the stigma of low credit forever.
Everything that’s listed in the spreadsheet are projections with what I currently make. After basic living expenses, insurance, food, savings, etc, I only have about $600 a month to put towards debt. That number very well could change with my income in the future.
Feedback, suggestions, constructive criticism is super welcome! This spreadsheet was inspired by another Redditor whose similar spreadsheet I can't find. If I find the post, I'll link it for reference.
Submitted July 14, 2018 at 03:36PM by LindyRyan https://ift.tt/2mjUI4a
